<h1>Fintech infrastructure enabling universal digital identity and interoperable payments, expanding inclusion while prioritising security and data governance.</h1> India's fintech approach builds public digital infrastructure-biometric identity, near universal bank accounts, interoperable payment rails and open APIs-to deliver direct transfers, expand credit via algorithmic decisioning, digitise procurement, and enable rapid lending to micro and small enterprises, while emphasising cyber resilience, AML controls, data governance and consumer protections to ensure inclusive, trustworthy scale and international platform connectivity.