For a man who had everything and has lost much within months, Vijay Shekhar Sharma seems oddly relaxed. The 46-year-old founder of what was until recently India’s biggest fintech firm is back at the drawing board. After the Reserve Bank of India (RBI) shut down its banking arm—Paytm Payments Bank Limited (PPBL), the company had to give up a chunk of its core. But Sharma is not sour. “We should have understood better, we had responsibilities which we should have fulfilled better,” he admits, speaking before at a conclave earlier this month.