Kunal Shah hogged headlines yesterday when he was appointed WhatsApp’s global leader, but the move likely didn’t come from out of the blue — Shah has always had plenty of ideas for WhatsApp, and he’s been sharing them on X over the years.
Kunal Shah is a prolific X user, and has regularly shared his opinions, insights, and even suggestions on how WhatsApp should be run. All the way back in 2018, when WhatsApp had just launched UPI payments in India, Shah had run a poll asking people when they thought WhatsApp would become the top UPI app in India. As many as 53% of the respondents thought that it would only take a few months, but as it turns out, nearly a decade later WhatsApp is nowhere in the picture in UPI payments.
How quickly will Whatsapp surpass existing payment apps in volumes?
— Kunal Shah (@kunalb11) February 12, 2018
He’d also shared a product idea for WhatsApp which involved bill payments all the way back in 2018. “Imagine in future telcos and utilities sending you a WhatsApp notification to remind you of low balance or due bills and you can simply approve using UPI in one click and voila recharge or bill payment done,” he had said.
— Kunal Shah (@kunalb11) February 12, 2018Whatsapp product idea:
Imagine in future telcos and utilities sending you a WhatsApp notification to remind you of low balance or due bills and you can simply approve using UPI in one click and voila recharge or bill payment done.
He’d even claimed that existing UPI apps would try to brand WhatsApp as anti-national to compete against it. That never came to be, because WhatsApp never really threatened payment companies as its payments feature never saw much adoption.
— Kunal Shah (@kunalb11) February 14, 2018All companies threatened by Whatsapp payments are going to tag it as anti national and try to pull it down as it’s hard to win on merit against network effects of Whatsapp.
This strategy worked for Patanjali and wonder if it will work for payment companies.
He’d also been bullish on WhatsApp’s potential, particularly when paired with UPI.
He’d also astutely commented on how users from different demographics used WhatsApp.”Older people are chatting on WhatsApp like they’re writing a letter. Younger people are talking in real life like they’re chatting on WhatsApp,” he’d said in 2018.
— Kunal Shah (@kunalb11) March 3, 2018Older people are chatting on WhatsApp like they’re writing a letter.
Younger people are talking in real life like they’re chatting on WhatsApp.
Shah, who has a degree in Philosophy, had theorized about why WhatsApp would continue to be ubiquitous. “Chat messengers are like human language. They spread based on how open or closed are your nations borders. Languages can extend from communication to many other things with the intention of the owner of the language. English/Whatsapp are more ubiquitous by conscious spreading,” he’d said.
Chat messengers are like human language. They spread based on how open or closed are your nations borders. Languages can extend from communication to many other things with the intention of the owner of the language. English/Whatsapp are more ubiquitous by conscious spreading.
— Kunal Shah (@kunalb11) April 3, 2018
He’d also talked about “spam” messages on WhatsApp of the ‘good morning’ variety. “What you call as WhatsApp spam, is a way to feel important/less lonely for most,” he’d said.
What you call as WhatsApp spam, is a way to feel important/less lonely for most.
— Kunal Shah (@kunalb11) June 18, 2018
He’d seemed concerned around the amount of spam that was on WhatsApp, hinting that all the spam could be an opportunity for a spam-free app to garner market share.
Wondering if volume of spam generated on WhatsApp groups in India is creating a short period opportunity for other messaging apps.
— Kunal Shah (@kunalb11) October 15, 2018
He’d also commented on the lock-in aspect of WhatsApp, talking about how hard it was to leave the service. “Trying to leave Whatsapp is as futile as adopting a new language to communicate between same folks. Feels cool for first 7 days like first week of a new year at the gym,” he’d said.
— Kunal Shah (@kunalb11) January 10, 2021Trying to leave whatsapp is as futile as adopting a new language to communicate between same folks.
Feels cool for first 7 days like first week of a new year at the gym.
He’d theorized on how WhatsApp groups evolve over time. “All large whatsapp groups eventually regress to mutual admiration club,” he once said.
All large whatsapp groups eventually regress to mutual admiration club.
— Kunal Shah (@kunalb11) August 14, 2025
Shah had been closely keeping tabs on how payments were progressing on WhatsApp, running another poll in 2018 around how often people were using payments on the platform. Over 70% of respondents said they’d never tried it, which broadly mirrored the overall lukewarm reception to the feature.
How often do you use WhatsApp payments?
— Kunal Shah (@kunalb11) May 14, 2018
But in spite of the low usage of WhatsApp’s payments feature, Shah had been predicting that it would eventually become the payments app of choice for India. “WhatsApp was the last to launch stickers amongst messaging players. WhatsApp maybe last to launch payments. The beauty of products with large distribution and network effects is that you can turn any product into your feature at will and win,” he’d predicted.
— Kunal Shah (@kunalb11) November 7, 2018WhatsApp was the last to launch stickers amongst messaging players.
WhatsApp maybe last to launch payments.
The beauty of products with large distribution and network effects is that you can turn any product into your feature at will and win.
He’d also toyed around with some pretty out-there ideas for WhatsApp. In 2019, he’d wondered if WhatsApp could launch a cab service like Uber and Ola.
If WhatsApp launches a cab service with similar offering to Ola and Uber, would you use it?
— Kunal Shah (@kunalb11) March 25, 2019
And he had another idea of WhatsApp launching business loans.
If WhatsApp allowed you to get 1 click personal loan at competitive interest rates, would you use that feature when needed?
— Kunal Shah (@kunalb11) June 15, 2019
While WhatsApp was struggling to take off its payments feature in India, Shah remained bullish on it. In 2020, he’d predicted that WhatsApp payments was “ready to explode”.
— Kunal Shah (@kunalb11) February 13, 2020With UPI at 100M+ monthly transacting customers, it’s extremely easy to do 1-10 rupees txns in seconds.
With WhatsApp payments ready to explode, 2020-2021 will be all about micro transactions online.
Welcome sachet commerce.
By late 2020, he was still sticking to his theme of WhatsApp payments becoming a major product. “Whatsapp payments if used to pay someone in a whatsapp group will spread faster than COVID due to mimesis,” he’d said.
Whatsapp payments if used to pay someone in a whatsapp group will spread faster than COVID due to mimesis.
— Kunal Shah (@kunalb11) November 7, 2020
By 2021, he was still checking in on whether people were adopting WhatsApp payments, and an overwhelming majority continued to say that they weren’t.
Have you tried Whatsapp for UPI payments?
— Kunal Shah (@kunalb11) October 1, 2021
In 2022, he was still bullish on WhatsApp payments, and felt that once regulatory hurdles were cleared, the company would grab most of the market.
Prediction : now that Whatsapp has got their approval for 100M users on UPI, they’ll get to a huge market share on UPI by March 2023.
— Kunal Shah (@kunalb11) April 18, 2022
He continued asking the question in late 2022, receiving similar responses.

Shah seemed to have given up on WhatsApp payments post 2022, as it became apparent that PhonePe, Google Pay and Paytm would be impossible to dislodge. But as WhatsApp’s new global head, Shah has a unique opportunity to actually implement payments on the platform and make it mainstream in India. It won’t be easy — PhonePe and Google Pay are firmly entrenched, and will be hard to replace. But Shah has a headstart — he’s been thinking about the problem for nearly a decade.
























