Fintech innovation in India continues to disrupt traditional banking models as startups focus on expanding digital financial services to underserved areas. In 2025, a surge in digital wallets, UPI-based microloan apps, and AI-driven credit scoring models has made it easier for people in Tier-2 and Tier-3 cities to access loans, insurance, and savings tools. Regulatory bodies are also supporting these initiatives with frameworks that promote transparency and data protection. Industry experts believe that this trend will not only empower small business owners and rural populations but also contribute to the country’s goal of achieving a cash-light economy.
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