RBI Guv on fintechs–[1] Helped bridge India’s MSME’s credit gap by extending formal, collateral like credit to millions of small businesses that were invisible to traditional underwriting models-[2] Fintechs have taken banking from the branch to the hand of every citizen [3] Fintechs have improved customer experience and efficiency in India’s financial infrastructure, reducing account opening and payment settlement times, cutting transaction costs, strengtheing fraud detection through AI driven analytics–enabling real time supervision– Courtesy BL