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Fintech is among the well-known and eminent highlights among various technology trends and is gaining attention worldwide. It is believed that fintech is a new-age transformative technology which is capable of changing the interpretation of different global existing financial services. It seems to be valid up to some extent, and fintech has reached global attention among the users of financial services. Fintech has altered the concept of financial services and changed how customers engage with different fintech models. Undoubtedly, the financial sector has utilized the new technological development in the new era of digital transformation, where the advancement of technology is being used in each business aspect across the world. Fintech has simplified the various financial services, especially for consumers as well as businesses. The curiosity behind the types of fintech and its examples has created a dilemma in customers regarding what fintech really means. Moreover, fintech is utilizing the new age transformative technology to enhance today’s financial world.
Fintech is supposed to be any type of developing or developed technology that offers a financial service in a speedy way with a more effective and efficient manner than other existing traditional methods. Large numbers of startups and established business models widely use such innovation approaches to enhance their financial services. Fintech uses advanced technologies to do banking and offer financial and technical assistance to large, increasing numbers of startups and established companies. Fintech is using an innovative technology approach to enhance traditional business models and help them develop effective financial methods and solutions for them. Moreover, financial technology, better known as fintech, describes a new advanced technology that enhances financial services, develops, and automates its delivery for customers. In a broader sense, fintech comprises specialized and advanced software technology with algorithms used in computer systems and smartphones. Initially, fintech in the 21st century emerged and applied with the technologies that are employed at the backend system of popular established financial institutions, including banks. From 2018 to 2022, it was further shifted towards consumer-oriented services, and now it is associated with various sectors, including education, retail banking, fundraising investment management, etc. Fintech also relates to developing and further using digital currencies such as Bitcoin. Examples of Fintech applications such as Robo-advisory, payment apps, P2P lending apps, investment apps and other crypto apps.
Today’s financial professionals and customers are more interested in the developing financial technology or fintech landscape and its types. Fintech is supposed to be a financial technology and includes every technology that might be used to integrate financial services. In a broader sense, it can be known as the collection or association of all advanced financial tools developed further to expand the financial landscape. The fintech space includes all financial software, mobile apps, internet web apps, cloud apps and all other digitally extended banking services. The advent of various financial fintech app in the market has made the different categories of fintech services plays a vital role in serving the financial improvement of customers in the financial landscape. The users of fintech, such as individuals, startups, established firms and other government institutions, can benefit from fintech and want to leverage fintech services. Many fintech solutions are meant to connect users’ capital with financial technologies and facilitate them to use in what manner they are supposed to process their financial profile.
Obviously, Fintech has tremendously enlarged the domain of financial technology. Fintech takes a long time to achieve its remarkable position in the market; initially, it emerged in the usage of credit cards and ATM cards issued by financial institutions. The scale of fintech has increased rapidly as the advent of usage of mobile banking applications has risen among users. Reports submit that 5% of fintech mobile banking apps were downloaded in the year 2019 for financial services in the global landscape. The COVID-19 pandemic has played a crucial role in the adoption of various types of fintech technology among different businesses across the globe. Moreover, the global pandemic has encouraged a rapid boost in online booking, micro-finance loans and Internet virtual payment transactions and enhanced efficiencies in financial management. Investments are more likely to increase in different fintech services during the year 2019 and cross more than $35 billion in the market. A report submitted that funding for financial technology apps has reached $25 billion, aligned with different funding altogether. Moreover, the growth of the fintech landscape has focused on the rise in digital payments volume, and further, the transaction value will reach beyond $9.46 trillion by the end of 2023. Consequently, various fintech organizations are moving towards implementing updated and innovative technology to enhance the user’s experience in the market. It is believed that by the end of the year, fintech will reach approx. $310 billion.
India holds the second largest position for Fintech companies in the world. It has more than 2000 fintech startups and approx. 42% of fintech is located in Bangalore, Mumbai, Delhi, Gurugram and Hyderabad. Fintech companies significantly impact those underserved people class and thrive in the world’s most dynamic market space, at approx. More than 50% of the Indian population is using the internet these days, and this has put the digital revolution in full swing. Recent conducted reports submit that the average data consumption in India tends to be 20 GB per month and this will reach up to 47GB till 2027 per month. The data consumption in India has exceeded the US and China’s combined figures. With the growing intent of the internet in India, it has become an integral part of population usage; thus, the growing demand for digital financial services has increased in India. India’s top ten fintech companies are working at the forefront of this financial transformation. Currently, approx. 2200 fintech companies are operating in India, and more than 25 fintech companies have secured the status of unicorns because of their immense potential growth and market size. Looking closer at the list, approx. 1/5th of fintech companies are working in digital payment sectors. Here is a list of the top 10 fintech companies in India, such as:-
Fintech is more likely to revolutionize financial services and change the way customers associate with the different products and services. Fintech is a wider concept of a large number of financial services, including various financial concepts, technology, products and services. Meanwhile, the development in the fintech sectors and its technologies seems to open new doors for users of different types of fintech services in the market. Fintech can be further classified in various ways-
Blockchain and Cryptocurrency are popular among all types of fintech financial services. Blockchain enhances peer-to-peer transactions using the power of smart contracts and consensus algorithms to boost the growth of various financial services. Significantly, decentralized and immutable ledger advantages in financial transactions on the blockchain, along with other cryptocurrencies or crypto tokens, are capable of emerging several significant improvements within the financial sectors. For example, the decentralized storage of financial transaction history reveals to protect counterfeit data risks and double spending issues. It is evident that globally, more than 80 million owners of cryptocurrency wallets possibly see the entire impact of blockchain democratization on financial services. Blockchains are more likely to offer more private, secured and transparent visible records regarding financial transactions throughout the life span. Cryptocurrencies possess decentralized and distributed features based on blockchain technology, offering easy acceptance and confidence among different business models and users around the world. However, Cryptocurrencies could utilize the features of the blockchain to enhance its better monitoring and control over its assets. Popular currencies such as Bitcoin, Ethereum and stable coins pertain to cryptocurrencies crucial for the future fintech landscape.
In 2015, the Financial Conduct Authority defined RegTech as a sub-class of the Fintech financial landscape, which focused on existing technologies to support their delivery of regulatory obligations in a more efficient and effective manner than the existing one. RegTech is more likely to use cutting-edge technology just to improve regulatory compliance and the implementation of simple, secured, cost-effective and easy-to-understand regulations. At global prospects, it is important to implement new regulatory frameworks that keep alongside innovations. Rig tech is intended towards standardization and to enhance transparent regulatory compliance processes. The Rig Tech is further utilized to offer regulatory remedies in a wide range of financial services, including regulatory reporting, risk management, payment transaction monitoring and compliance, etc. Various platforms such as Provenir, Regis-TR and Identity Mind are offering financial remedies, etc.
Subsequently, with the growth and development of the digital financial ecosystem, high-value insurance solutions have been developed in the insurance financial sectors to enhance the customer’s experience to the next level. Nowadays, Insurers are more likely to integrate the smartphone app, the Internet of Things (IoT), Artificial Intelligence (AI), drones, and Machine learning (ML), with many other technological developments to offer their customers and businesses a great experience in their financial services. Insur Tech has gradually transformed how clients see their insurance products and offers various perks like online markets in the easiest process with customized market profits, etc. Fintech offers an easy method to gather information on different insurance using smartphones. Meanwhile, user-friendly apps are more likely to play an active role in ensuring easy coverage. Rapid growth and expansion within the insurance sector depend upon the use of fintech technologies in those areas where the traditional business operating methods were difficult to operate.
Popular and most-used mobile payment applications include Google Pay, PayPal, Apple Pay, Paytm, PhonePe, Venom, etc. Individuals and businesses across the country are using it to transfer and receive funds. The advent of the COVID-19 pandemic and the lockdown period has pushed the entire world to consider using cashless payment transactions. After the end of the pandemic, businesses felt the operational necessity towards cashless transactions for their organizations as there possibly seems to be a decline in cash transactions. Now, it is found that most of the financial transactions seem not to be possible without mobile payment systems. People worldwide use different mobile payment applications to carry out their financial transactions, such as Google Pay, PayPal, Apple Pay, Paytm, PhonePe Venom, etc.
The advent of fintech financial technology offered a wide transformation in the lending and borrowing sector. Undoubtedly, fintech emerged as a leading player and simplified the lending concept, which people are following to borrow loans as per their needs. The financial technology has introduced the lending P2P protocols to enhance the lending financial services.
Individuals and businesses can refer to these P2P lending platforms beyond the demographic jurisdiction. Apparently, the users of P2P lending fintech services, are more likely to find flexible opportunities to evaluate the intent of lenders and borrowers’ credit readiness. Meanwhile, this fintech has served its users and prevents them from visiting any bank’s office for borrowing purposes. P2P lending platforms are mainly based on the concept of DeFi to provide hassle-free financial services and enhance their customer experiences. Take the example of Compound and Aave, popular among lending applications and their lending protocols depend upon DeFi.
Personal Finance Management is a unique and personalized fintech category that focuses on enhancing managing wealth and retail investment business practices by leveraging financial technologies to augment and offer business operations in a more effective and efficient manner. Such digital solutions are in practice to enhance existing solutions and create a new solution easily availing for investors or their groups. Goodbudget, Investing.com, Monie, etc., are the types of personal finance management apps available in the market. The intent of personal finance management apps is to focus on the investment process and help an investor easily manage their financial profile. Personal finance Management apps are more likely to help secure your operational goals and stay successful in the market.
Apparently, neo-banks are more likely to offer crowdfunding within India, and getting approval from the SEBI and compliance with governmental and regulatory requirements is mandatory. The Crowdfunding market possesses the potential for steady growth in the market in the forecast period range from 2021 to 2026; the crowdfunding fintech market will grow with a CAGR of more than 16%. The advent of crowdfunding in the market has limited the concept of visiting banks or pitching innovative ideas in front of venture capitalists to get loans or business funding. The outline of various fintech categories helps in raising funds by engaging specific innovative technological improvements in the financial sector. Crowdfunding services provides an ideal platform for SME companies to find their investor for business operational projects.
Robo Advisory Services supports clients to integrate with financial and investment advice based on robo-technology apps. Application like Robo-Advisory and Stock Trading has diversified investment portfolios, created and made easily available for customers using fintech technology, eliminating the requirement for investment advisors or professionals. Robo Advisors systems are designed and developed to offer investors a guide on risk management and professional investment management. Instead of using the traditional methods to purchase and sell stock investments, stock-trading applications are more efficient and easier for this purpose. Any trade online brokers can easily use such stock-trading applications with resources to compete for trade assets and investments. Paytm Money, Zerodha Kite, Angel One App, Groww App Finch Money, etc., are examples of investment and stock trading Apps.
As the advancement of technology engaged within the payment systems enhances the International Money transfer mechanism throughout the entire world, the leading barriers were subsequently removed after the advent of these technologies. Previously, traditional methods to transfer money were less efficient and effective in the fintech sector. Now, the whole process of transferring payment in the fintech landscape has become secure, quick and easy for both the customers and business models.
Fintech in Equity Financing sectors offers firms securing capital or funds by selling a firm’s shares to the general public, financial institutions, or investors. Basically, the funds raised or secured during the whole process are further utilized in funding a new business or any venture projects to refurnish existing firms. Financial business consulting agencies navigate the complexity and diverse funding process and facilitate suitable connections, which plays an important and crucial business step in enhancing businesses to thrive and secure their operational goals across the globe.
Various technologies, such as Machine Learning, Artificial Intelligence, Cloud Computing, digitalized Tax Platforms, etc., are widely used across different firms or companies to enhance their accounting process and automate transparency. The usage of advanced software and technologies in the financial sector has more efficiently improved the database in the fintech landscape. Moreover, the advent of financial technology software has declined the rate of employing accountants as they are capable of performing functions like invoice management, cash flow forecasting and other related accounting services,
Nowadays, various financial institutions have promoted the usage of digital technology to deliver their banking services to customers. These technologies help the financial institution to streamline the banking services in a more effective and efficient manner. Bank Tech usages a digitalized platform and offersoffers their customers banking services to enhance their experience at low costs, less operational friction, etc.
The advent of emerging developing technologies such as The Internet of Things, Robotics, Cloud Computing, Automated assistance and Machine Learning are in use to enhance the financial sector and its related products. Moreover, fintech has evolved and revolutionized in such a manner to influence business models offered to consumers. Various fintech apps are expanding continuously with the development in various fintech fields such as blockchain, insurance technology, digital banks, lending platforms and many others. Financial goods are now easily available in the most efficient and effective manner to consumers. Recently, the fintech technology in India has transformed into drastic changes and impacts on the economic landscape. Fintech companies are more likely to emerge as a powerful catalyst to enhance financial inclusion in the country, by removing the traditional barriers and creating a path for economic liberation. Significantly, fintech contributes to the financial landscape by narrowing the inclusion gap. Traditional financial institutions have not reached the remote areas and undeserving section of society or unbanked people class. The emerging fintech companies have confidently stepped towards the remotest area of the country and provided their innovative approach using advanced technologies that provide access to financial services in remote areas of the nation. Fintech financial apps like mobile banking and other digital wallet systems have thrived in financial inclusion and are offering customers an easy process to set up their accounts, low transaction costs and user-friendly apps. Infect, the fintech technologies have enabled millions of undeserving classes of unbanked people to access banking services in the country. Fintech companies allow people to access banking services and open doors for them to take credit, insurance investments, etc.
Fintech companies are dominantly playing an important role in enhancing the financial landscape within India by utilizing its innovative solutions and advanced fintech technology and eliminating the traditional financial models. Fintech has become a catalyst for the Indian financial landscape-
Previously, a significant Indian population was excluded from financial services due to various factors such as remote areas, lack of documentation, illiteracy and awareness among people with less access to traditional banking institutions in the country. However, by utilizing their innovative technology, the fintech companies have limited this gap and offered such underserved class innovative tools such as digital technology to open their accounts, help them access easy credit, improve the transaction method without any physical intervention or unnecessary paperwork, etc.
Fintech companies bring revolutionary changes in the accessibility of fintech financial services in the country. Now, customer can easily use their mobile phone apps to perform their wide financial activities staying at any location. Such a revolutionary approach allows people to easily access and manage their financial portfolios in a more effective and efficient manner. Through fintech services, people are now able to make informed decisions accordingly.
Fintech Companies are at the forefront of the adoption of digital payment systems and limit the usage of cash transactions in the country. Several digital mobile apps and wallet payment systems are widely used in the country to carry out transactions such as paying bills and buying products online by individuals. Fintech enhanced the financial transaction and offered the unbanked class access to financial services that were not previously using it.
Fintech companies have now introduced alternative credit scoring model in the country that works on non-traditional database like transaction history records, online behaviour, etc., and established platforms for individual to credit loans which previously belonged to the undeserved class. Now fintech are more likely to provide credit loan to people at large.
Now, fintech companies know the value of education, awareness and financial transparency to improve the customer experience. Thus, various fintech companies are conducting educational workshops, financial sessions, etc. to improve their customer financial knowledge to help them make informed decisions and manage their financial profiles.
Fintech companies provide their customers with innovative financial solutions according to their unique needs and circumstances, which enhance their experience and capability to make informed financial decisions in various areas such as financing, investment, insurance budgeting, etc.
Fintech is more likely to serve individual along with company startups, established firms, etc., and support them to secure funding for their business operations, providing them with advanced innovative tools to manage their financial transactions, etc. Fintech played a vital role in empowering SME owners and driving their economic business growth.
In the finance sector, fintech technology’s evolution has become a game changer to challenge traditional banking methods in different ways. The emergence of fintech technology in the financial landscape enhanced the customer’s experiences in various ways by providing them with an efficient and less cost-effective manner. Fintech is more likely to develop a path in remote areas where traditional banks were dominating in financial services such as lending, payments, investment services, etc.
Fintech companies offer their customers the ability to make payments possibly in a safe and secure manner within a minimum cost value lower than the traditional banks. Customers are more likely to perform their financial transactions through their mobile wallet app, enable contactless payments and transfer payments digitally as per their daily needs. The fintech is also disrupting traditional banks using the P2P lending models. Moreover, the fintech companies have developed lending platforms for their customers where the lending and borrowing process can easily bypass traditional banks. This fintech platform has possibly evolved into a great opportunity for lenders and borrowers to borrow and make profits on lending, etc. Fintech companies are also offering their customers to invest online in a variety of financial products, including stocks, bonds, and other types of investments, in a more efficient and transparent manner. This may also disrupt traditional banking methods to some extent.
The emergence and rise of fintech technology in the finance sector also required to be implicated in the banking industry. These days, traditional banks are facing more competition in the finance sector from fintech companies, as fintech are using their advanced innovative fintech tools to enhance their customer’s experiences. There is a need for the banking sector to accept and make applicable for using the advanced tools of fintech companies or either must get collaborate with renounced fintech companies to enhance their customer experience in different financial products and services such as digital wallets, P2P lending, etc. Banks associated with different fintech companies can easily enhance and leverage their existing customer base and raise their brand value in the market. Traditional practising banks are also required to develop their own banking services that help and enhance customers to feel the same experience as the other fintech companies, etc. By collaborating with fintech or developing similar tools like FinTech companies, banks can easily provide good value to their customers in this evolving day-to-day financial landscape.
Financial sectors or fintech businesses are being regulated by the RBI, SEBI, the Pension Fund Regulatory and Development Authority (PFRDA), the Insurance Regulatory and Development Authority of India (IRDAI), and IFSCA. Financial aspects such as online payments and transactions, payment aggregators, gateways, data security and privacy, insurance products, etc, are being regulated by these authorities.
A list of rules and regulations applicable to the fintech companies are as follows-
Circular and timely issued various notifications.
India is at the edge of a digital payment revolution after the global COVID-19 pandemic, and the government has also initiated a program for its development. There has been remarkable growth in the fintech industry because of the widespread usage of mobile phones and the availability of internet data throughout the country. According to an EY Global Assurance insights hub report, the adoption rate of fintech in India is about 87%, a whopping 20% higher than the global average. Further, in an NYT report, the managing director of NPCI has quoted that 8 billion transactions worth $200 billion were carried on the platform. The Union Minister Ashwani Vishnaw informed the World Economic Forum that the instant transactions in India during the last year were more than the value of transactions performed in the USA, Britain, France and Germany as the Indian value of instant transactions combined the four and multiplied by four- it is more than that. The rapid use of mobile apps, digital payments and other alternative scoring methods to provide a wide range of financial products and services to customers, merchants, farmers, and others having low-income households. Such services include financial and banking services, payment solutions, lending, insurance, etc. Moreover, digital payment solutions have limited the scope of cash transactions and enhanced security and transparency in the fintech landscape.
The strict following of regulatory compliance in fintech companies ensures that fintech is functioning as per the national, International and professional guidelines. Subsequently, strict compliance also helps perform regular audits and identify potential risks in the fintech landscape. As the fintech industry grows, there will be a high need for strict regulatory compliance. Generally, various fintech companies are struggling to align the compliance because of their misconceptions, such as compliance is meant for large corporations only as it is very costly to comply; sometimes, fintech companies manage their compliance when it comes their way or fintech companies think not to invest more in compliance purpose because it’s not generating the revenue for company etc. However, fintech companies often look over the necessity of regulatory compliance while it brings a strict adherence to compliance to mitigate risk to some extent.
Fintech refers to the technology that brings innovation in the financial sector and brings remarkable changes to business applications, services and products to enhance customer financial experience. Meanwhile, fintech is facing some sort of regulatory challenge related to sensitive data, information, finances, technology, etc. The significant challenges faced by the fintech market are as follows-
Digital security and privacy have become a worldwide regulation, with over 80% of the world governments enforcing fintech to ensure digital shortcomings are minimal. A maximum of fintech applications or software involve multi-channel data passing. There seems to be a high chance for data hackers to breach and steal data during the process of multi-channel data passing. Such type of slight loopholes within the fintech ecosystem can easily invite hackers to steal important data. Another vulnerability relates to human error, a target of phishing with other social attacks. Mistakes in the fintech ecosystem may also attract hackers to breach the whole system. It shows that fintech apps are not secured on their own. However, fintech apps sometimes have weak encryptions, which help data hackers steal crucial information. Meanwhile, developments in new data security and protection have started to counter these types of hacker attacks, having protection measures like secure coding, data encryption and plenty of testing, etc.
The high-cost implementation of regulatory compliance in the fintech companies is significantly creating a barrier to compliance. In recent years, the advent of fintech apps in the financial landscape has captured the attention of governments. Thus, the government has made regulatory rules and regulations for fintech companies. This may result in fintech companies not complying with new regulatory rules due to incurring costs. Regulatory Technology or Real Tech is the only solution for the fintech companies which helps them to automate and streamline processes, including tracking, monitoring, reporting, etc. It also serves a better KYC (Know your customer)1 process for fintech companies. The best way to avoid compliance issues in fintech companies needs more money to be allotted for compliance purposes only.
Various fintech companies have adopted the blockchain concept to enhance their customer experience and provide them with banking support. Moreover, such blockchain features also attract some potential compliance risks for fintech companies. Previously, fintech companies had the same issue with Machine Learning and Big Data. The compliance challenges for fintech in the blockchain are well documented and relate to transactions within the blockchain networks. As the financial market is more relies on identity and verifications, the chain is more likely to support huge potential in the fraud market. However, governments are still working to understand blockchain technology and thus reluctant to approve it.
Money Laundering and fraud are the most sought and strictly monitored financial crimes globally. Thus, governments have passed the Money Laundering rules since it becomes important for fintech worldwide to follow such laws and be compliant. KYC is one of the legal features to ensure a financial transaction is legally verified and valid with the intent to stop hackers from collecting important personal details of users, etc.
Fintech companies are required to navigate regulatory and funding challenges by preparing a careful business plan and implementing it accordingly to overcome regulatory and funding issues. The following are some recommendations for investors and entrepreneurs to overcome this financially challenging landscape.
Fintech companies are more likely to get engaged with the regulators early during their development process and take proper guidance to comply with regulatory compliance. By keeping trust in regulators and demonstrating compliance with the regulatory guidelines, fintech startups can easily avoid heavy penalties for non-compliance and bring legal challenges down.
It is widely recommended for fintech startups to navigate alternative sources of funding that include debt financing, crowdfunding platforms and other innovative funding platforms like revenue and royalty-based financing, etc. Support efforts are quite enough to offer flexible and attractive alternative capital funding for traditional ventures and easily increase confidence in startups to raise business capital rather than acquiring such funds by losing their equity shares, etc.
Fintech startups must navigate and explore strategic partnerships associated with other established platforms by leveraging their financial expertise and useful resources to further navigate the financial landscape and overcome funding issues. Partnerships are useful in boosting confidence among startups against the regulators and demonstrating them to comply with the regulations.
It is good for the fintech companies to rank compliance to the top, and fintech is required to create a culture of compliance which enables them to gain the trust of regulators, investors and their customers and avoid unnecessary compliance penalties and decline in legal consequences, etc.
Fintech companies must work to develop specific kinds of financial products and services which meet the required needs of customers. It is the only technique for the fintech companies to set their priority on customers’ needs and process their business accordingly. It can easily help distinguish them from other competitors in the market and tends to develop their customer base in the same fintech market.
Fintech or Fintech Technology refers to the technological advancement in the design and delivery of financial products and services among its customers. Fintech has narrowed down the technological gap in remote areas. Fintech offers a financial service in a speedy way in a more effective and efficient manner than other existing traditional methods. Large numbers of startups and established business models widely use such innovation approaches to enhance their financial services. Moreover, fintech has narrowed down the technological gap in remote areas and enhanced the population using fintech tools to improve their financial activities. Fintech helped in developing a financial infrastructure globally and thus it is required for specific rules and regulations to safeguard the financial information of users and thus minimize the collection and storage of customer data. However, fintech is growing rapidly and needs to be kept an eye on by concerned authorities.
The five key technologies used in fintech include artificial intelligence, machine learning, big data analytics, cyber security blockchain, etc.
The top ten fintech in India are Paytm, PhonePe, Mobikwik, PayU, ET Money, Paisa Bazar, Policy Bazar, Lending Kart, Free Charge and many more.
Presently, more than 26000 fintech companies are widely available across the globe.
Artificial Intelligence, blockchain, cloud computing and big data come in the A category of classification fintech as ABCD.
GPAY is a type of Fintech Company that provides its customers with cost-effective and efficient financial services and is associated with the country's unbanked population.
PayTm, its full form of Pay through Mobile, is an Indian fintech company offering its customers a wide range of financial services.
UPI itself has proven to be a revolutionary force in the fintech landscape within India.
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