Digital Public Infrastructure and Responsible Innovation Drive India's Fintech Growth

According to the RBI Governor, the collaboration between regulators and fintech innovators has produced a robust digital public infrastructure. This framework supports the development of secure, trustworthy services while safeguarding the core capital of the financial system—confidence. Artificial intelligence tools now enhance fraud detection, and streamlined account opening and payment settlement have become near‑instant, improving both customer experience and systemic efficiency.