India's Banking and Financial Services sector sits at a structural inflection. The past decade built the foundation - Jan Dhan accounts, Aadhaar identity, UPI payments rails, Account Aggregator framework, and OCEN credit networks. These layers of digital public infrastructure have made financial transactions frictionless in a way no other economy has achieved. The next decade is about monetizing that foundation. The sector's opportunity is defined by five interlocking shifts. First, gross finan...
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