Part 9/11:
This transformation will catalyze mass-market inclusion, expanding fintech access to underserved communities, and boosting usage across India's diverse demographic landscape. He highlights the vast potential for AI-driven APIs and platforms to democratize financial services further.
Reinventing Banking and Lending
Shashank also foresees significant disruption in lending and banking structures. Building on initiatives like the Reserve Bank of India's (RBI) concept of Unified Lending Interface (ULI)—which mirrors UPI’s success—he anticipates that AI coupled with innovative infrastructure will make lending more personalized, efficient, and accessible.