Fintech: a key driver for financial inclusion.
India has been an underbanked country for many decades, in spite of an existing ecosystem of banks and financial institutions. A number of critical financial services like loans, insurance and wealth management continue to be the privilege of a few. The numbers validate the sad state of affairs-less than 10 percent of Indians have access to credit and insurance penetration is only about 3 percent of GDP. The reasons are aplenty including high costs of the traditional banking model, lack of relevant products, and limited financial literacy. The potential is immense but there is a need to leverage technology to disrupt the way financial services are distributed to ensure that it makes inroads into the real...
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