The 3 Themes Guiding Fintech Policy and Regulations in India
Blog post from Basis Theory
India’s fintech sector has expanded rapidly, with an 87% adoption rate and Reserve Bank of India projections placing its value at $150 billion by 2025, driven in part by an increasingly active regulatory approach. The country’s strategy centers on financial inclusion for its large and economically diverse population, using programs such as Jan Dhan accounts and investments in digital-payment infrastructure including UPI, IMPS, NEFT, Aadhaar Pay, and BHIM to broaden access to financial services and reduce reliance on cash. Growing internet use and high-profile data breaches have also made consumer protection a priority, prompting RBI measures such as mandatory credit-card tokenization and stricter rules for digital lenders to limit fraud, improve disclosures, and protect customer data. India additionally promotes public-private collaboration by encouraging public-sector banks and fintech companies to form partnerships and co-lending arrangements, seeking to combine technological innovation with regulatory credibility and wider consumer trust.
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