The fin-tech sector in India has gained a lot of traction in recent years with many players emerging in payments, lending, insurance and personal finance segments. VCCircle interacted with three fintech players—Alok Mittal from Indifi Technologies, Ruchi Kalra from OfBusiness and Ashish Sharma from Aye Finance—to understand the buzz around online lending.

In the third of a three-part series, the executives share what they think about the bank versus fintech debate and how is the government responding. The second part touched upon the VC funding scenario and the unit economics of the lending business while the first part was about whether it is time for consolidation in the segment.

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