Leading today's briefing is news that Paytm, India's biggest digital payments provider, is planning an initial share sale to raise about $3 billion, or 218 billion rupees, around November, according to Bloomberg. This would be India's biggest IPO. Later, we talk to Mudit Dandwate and Gaurav Parchani, founders of Dozee, who have digitalised a 150-year-old technique of listening to the human heart to build a contact-less health monitor