Dr. Sindhu Bhaskar is a global leader in financial technology, innovation, and inclusive development. He is the Chairman and CEO of EST Global Inc., a company based in the MIT ecosystem at the Cambridge Innovation Center in the USA. Known for his groundbreaking work in digital banking, blockchain, agritech, and healthcare, Dr. Sindhu is also a Forbes Council Member and a highly respected thought leader in fintech and economic transformation. His life’s mission is to use advanced technology to solve real-world problems, especially for people in underserved and rural communities.
Dr. Sindhu has spent his career creating platforms that combine finance, technology, and social impact. At the heart of his work is EST Global Inc., an impact-focused company that works across various sectors including banking, healthcare, agriculture, education, and even space technology. The goal of EST is to drive socio-economic progress by using artificial intelligence (AI), machine learning, blockchain, and other emerging technologies. His platforms offer practical solutions that uplift farming communities, promote digital literacy, provide remote healthcare, and bring investment to rural areas.
“Dr. Sindhu has shown that innovation can be inclusive, impactful, and global.”
One of his key innovations is EST RAHA, an AI-powered healthcare platform. RAHA uses machine learning and robotics to offer remote health diagnostics and automatic medicine dispensing. It can assess over 70 health parameters and functions like a fully automated primary healthcare clinic. This technology is designed for areas where medical access is limited and aims to bring quality healthcare to people who need it the most. In the field of agriculture, Dr. Sindhu leads EST AGRX and the RuralXchange initiative. These projects are designed to create decentralized farming hubs that connect rural economies. They focus on solving problems faced by farmers at every stage—from preparation to harvest to market access. EST AGRX not only improves agricultural productivity but also helps farmers get fair prices and connect with broader markets.
Another innovative project is EST CNETO, which uses AI and machine vision for smart agriculture. This project focuses on soil testing and carbon detection using VIS-NIR cameras and advanced AI algorithms. It helps farmers understand their soil quality and manage carbon emissions effectively. The project has attracted attention from leading institutions and is part of global discussions around sustainable agriculture and carbon credit systems.
Dr. Sindhu is also deeply involved in digital education through EST FAB, a fintech and blockchain association that empowers students and young professionals with digital and technical skills. FAB currently has 35 global chapters and focuses on building a new generation of innovators who can use technology to transform economies.
In manufacturing, Dr. Sindhu introduced SmartViz, an AI-powered visual inspection system. This platform automates the quality check process in manufacturing using deep learning models. It helps factories reduce errors, increase efficiency, and modernize their operations. His work also expands into the space economy. Dr. Sindhu collaborates with organizations like Space Foundation USA, Artemis Moon Mission, Star Ventures USA, and Angkasa Malaysia. As an advisor to Space Zone India, he helps integrate space-based technology into areas like agriculture, environmental sustainability, and fintech. His goal is to use satellite and space tech to improve life on Earth, especially in rural and underserved regions.
“Whether through digital wallets, AI healthcare, smart agriculture, or fintech education, he continues to create solutions that change lives.”
One of his most impactful fintech ventures is BranchX, a digital banking platform focused on financial inclusion. BranchX uses AI to provide seamless banking services to people without access to traditional banks. It has already reached over 350,000 customers and works through a network of 200,000 retailers. The company is now preparing for its IPO, showing its potential to scale and serve millions more.
Dr. Sindhu’s latest addition to the fintech space is Ezipay Global, a digital payment gateway that supports easy and secure transactions worldwide. Ezipay Coin, launched as part of this venture, rewards clients and makes digital payments more accessible and beneficial. Another unique platform is ESTLEND, a peer-to-peer lending marketplace. It connects lenders directly with borrowers for services like microloans, SME loans, and farmer loans. ESTLEND uses AI-based credit scoring, blockchain KYC, and biometric identification to create a secure and efficient lending process. It aims to support cooperative banks, credit societies, and non-banking financial companies to reach more people.
Dr. Sindhu also introduced EST Cashless Bazar, a rural barter marketplace. It allows people to trade essential commodities without cash and can be used as a repayment system for loans. This innovative platform supports rural trade and promotes a local economy built on trust and mutual support. He also created E-Rural-Invest, a global investment center that offers asset classes suited to different risk levels and financial goals. Using AI and data science, this platform helps people in rural areas access global investment tools. It promotes capital rotation in local economies, encouraging growth and long-term stability.
Beyond his business ventures, Dr. Sindhu is involved in many global organizations. He is an Executive Senior Fellow at The Digital Economist, a Board Member at the Government Blockchain Association, and Co-Chair for the World Business Angels Investment Forum in India. He also serves on advisory boards for universities, innovation hubs, and fintech councils in India, Africa, the UAE, and Southeast Asia. He has taught at several academic institutions and holds certifications from Oxford and MIT.
Dr. Sindhu has received many honors, including the “Most Dedicated Banking & Financial Services CEO 2024” award, the Tech Champion Award from Amity University, and the International Impact Leader award in Switzerland. He has also written several books and contributed to global publications on blockchain and digital finance. Through his leadership, Dr. Sindhu Bhaskar has shown that innovation can be inclusive, impactful, and global. His work bridges the gap between technology and the people who need it most. Whether through digital wallets, AI healthcare, smart agriculture, or fintech education, he continues to create solutions that change lives. His legacy is one of transformation, driven by the belief that the future should belong to everyone—no matter where they live or what resources they have.
“His life’s mission is to use advanced technology to solve real-world problems, especially for people in underserved and rural communities.”
