Tata Consultancy Services will soon ask its staff to be based in their "work cities" as India's biggest IT services company prepares to bring work back to the offices. TCS has vaccinated more than 90 percent of its over half a million employees with at least one shot against Covid-19, Milind Lakkad, the company's global head of human resources told Forbes India in a recent interview. In our tech conversation, Sumit Gwalani—one of the developers of Google Pay and now a co-founder of epiFi Technologies—explains the account aggregator framework