Short Description: As India’s fintech sector matures, industry leaders spotlight regulatory clarity
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, digital infrastructure, and AI for sustained growth ahead of the Union Budget.
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Main Article:
As Finance Minister Nirmala Sitharaman prepares the upcoming Union Budget, India’s fintech sector is prioritizing a strategic shift from explosive growth to enduring, profitable maturity. Industry leaders are calling for unwavering regulatory clarity
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and policy continuity to navigate a tighter global funding landscape. Key requests include tax rationalization, especially on technology-driven services, and enhanced support for digital infrastructure like UPI and the Account Aggregator framework. This focus aims to ensure the ecosystem can sustain investment in critical areas such as cybersecurity and fraud prevention, which are now non-negotiable for maintaining user trust.
The sector’s evolution is increasingly driven by sophisticated technologies. Artificial intelligence is being deployed at scale for real-time transaction monitoring and risk management, moving beyond mere convenience to ensure systemic resilience. From a wealth-tech perspective, targeted budget measures—like incentives for innovation and sandboxes for new products—are seen as vital for deepening financial inclusion and cementing India’s role as a global fintech leader. The goal is a balanced ecosystem where robust public digital platforms empower private innovation responsibly.
For the crucial MSME segment, fintechs seek measures to streamline digital lending and expand credit access. Simplifying compliance, enhancing credit guarantee schemes, and offering incentives for tech adoption can make business credit more transparent and efficient. Throughout these demands, a common thread is the need for innovation to operate within strong data protection laws, ensuring growth is both inclusive and trustworthy. The upcoming budget is viewed as a pivotal moment to solidify the foundations for the next decade of digital finance.
Short Summary: India’s fintech leaders advocate for a budget that ensures regulatory stability, invests in secure digital infrastructure, and incentivizes AI-driven innovation. The focus is on transitioning to sustainable, profitable growth while expanding credit access for MSMEs and strengthening the nation’s position in global finance through deepened financial inclusion.
