Reserve Bank of India (RBI) Governor, Sanjay Malhotra, urged fintechs to leverage India’s digital public infrastructure to serve the underserved, innovate responsibly, and shape global digital finance . In his address at the Global Fintech Fest 2025 in Mumbai on Wednesday, he emphasised designing intuitive, assistive services that eliminate the need for customer support, especially for vulnerable groups like senior citizens and the digitally less literate to help India achieve its goal of becoming a developed nation by 2047.

Malhotra stressed the importance of extending the success of Unified Payments Interface (UPI) and Aadhar Enabled Payment System (AePS) into credit delivery for small businesses and individuals, leveraging India’s three-layered digital public infrastructure of ide

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