RBI Governor urges fintech firms to build inclusive, easy-to-use products

09 Oct 2025 Evaluate

Reserve Bank of India (RBI) Governor Sanjay Malhotra has asked fintech firms to design products that are easy to use and accessible to all to help India achieve financial inclusion and become a developed nation by 2047. He also flagged the issue of growing digital frauds and made a strong case for making efforts to curb the menace. He urged the sector to prioritise trust and compliance as well as embed strong data protection, transparency and safeguards for consumers into every product and service. Besides, he exhorted them ‘to think global while you anchor local. Engage with international partners, share learnings, adopt global best practises and strengthen India's role in shaping the future of digital finance.’

By embracing these principles and building on India's unique strengths of Digital Public Infrastructure (DPI), RBI Governor said a vibrant ecosystem, a digitally connected population, enabling policies and a very deep tech talent, FinTech can bridge digital divides, foster healthy competition and drive innovation. He said ‘in doing so, the FinTechs will not only secure their own growth and prosperity but also play a very vital and pivotal role in driving the growth and progress of our country and contributing to the vision of Visit Bharat 2047.’

Observing that India has a vibrant fintech ecosystem and the fintech industry has made it possible to deliver financial services at scale and affordable cost, he said the country has close to 10,000 entities with more than $40 billion of investments over the last decade. The sector has seen phenomenal growth and the future potential is underpinned by several strengths that this sector has. He said ‘first and foremost is the large and the deep pool of skills, technology talent that we have in our country. Second, a very vibrant financial ecosystem spanning payments, lending, insurance, pensions, wealth management which is supporting this fintech innovation.’ He said there are three enabling policies of the government and the regulatory frameworks which are facilitating the fintechs and added that the Reserve Bank has been continuously engaging with the fintech ecosystem.

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