In the last 75 years, India has benefitted from all the technological progress we have made. Technology has been instrumental in helping drive disruptive business models across payments, lending, insurance and wealth management. India has also transformed from a cash-driven society, that, even as late as 2015, trailed the US and China in terms of digital payment transactions, to one which has become an exemplar for the rest of the world today. The fintech story in India is a brilliant example of a strong public-private partnership. It is a demonstration of what entrepreneurial innovation built on top of an intentional technology stack developed and positioned by the Government of India as a public good can do.
For a nation of entrepreneurial innovators, I believe this revolution is just the beginning. Given the momentum we have, and the many things we are yet to accomplish, here are six big themes that I believe will play out as part of India’s digital finance future when India turns 100 i.e. 25 years from now.
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