The Impact of Fintechs on the Economy

The way I think of it is in for India, if you look at core pillars of the economy, financial services have to be a consumer. So we talk about it internally that these are such deep and wide sectors. A certain banks only know how to process things a certain way. And since there's so much penetration left, they don't have to think of innovation. These Fintechs come and innovate and they say you may be shocked. They want to underwrite such people. It's a very good thing. But you have to be careful because you can get into trouble with these people as they may overspend.

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