
Before Zepto promised groceries in minutes, Kaivalya Vohra spent his days persuading Mumbai shopkeepers to try an app and his nights rewriting it. The clock came later.

A grocery problem in a Mumbai neighborhood became Zepto. Five years on, its young CEO faces a slower test: building a business that can keep its promise without losing the customer’s trust.

After an early chapter inside the company that became Zepto and a turn at BlackRock, Ali Tabba is betting that the next personal-finance interface will act on instructions, not merely display balances.