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Ep22: Rishi Gupta, CEO & MD, Fino Payments Bank

Fino Payments Bank is a new kind of bank in India called Payments Bank, a license given out by the Indian banking regulator RBI in 2014 to eleven players. While the model was created to drive financial inclusion with the help of technology, these banks have been facing challenges as they are not allowed to lend.  Mumbai-based Fino is one among the four such banks that have not only survived but also are scaling up. Rishi Gupta, tells IBS Intelligence that while digital bank is the future from a global perspective, India is a different market where assisted banking will dominate. He tells us about the “phygital” (physical and digital) approach of Fino to acquire more customers and merchants besides talking about how open-banking and FinTech partnerships will be the road ahead for Fino.

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