India’s nine-year-old YES BANK has used technology smartly to avoid getting overshadowed by bigger and older banks. It has pursued flexibility and speed, and avoided large up-front technology investments through outsourcing modular, off-the-shelf technology solutions to pace spending in line with growth. Large doses of creativity also are helping the bank to find novel ways to reach India’s unbanked population and to bypass the limits of its branch network. Amit Sethi, the bank’s chief information officer, shares his strategies with Knowledge at Wharton in this white paper.