FinTech in India has grown rapidly in the last couple of years. High mobile phone penetration, large unbanked population and inadequate technology infrastructure have given an impetus to build lower cost and efficient alternatives to traditional financial channels. Indian Government and regulatory authorities in their vision to build a true cashless, digital and financially inclusive economy are creating a robust FinTech ecosystem through supportive policies and incentives. Demonetization is one of such initiatives which triggered incredible inertia towards the adoption of formal banking and digital transactions, and also the transformation of operations across traditional banking and financial services. This report tries to understand the impact of such initiatives on financial services adoption across key enabling functions.

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