Education
For years, India struggled to move money digitally. UPI changed that. But digital payments were only the first step, and India’s wider digital finance ecosystem is still unfinished.
In this episode of The Darshana Shah Show, Navin Surya, one of the early builders of India’s fintech and digital payments ecosystem, explains what must come after UPI and why payment access alone cannot create true financial inclusion.
This conversation explores the rise of digital payments in India, the gaps across insurance, credit, wealth and consumer protection, why financial products remain too complex for many Indians, and what fintech founders, regulators and institutions must build next. Navin also discusses digital fraud, financial health, regulation, founder resilience, AI, quantum computing and the future risks facing India’s financial system.
In this conversation, you’ll learn:
• Why UPI succeeded but India’s financial ecosystem remains incomplete
• What must come after digital payments in India
• Why insurance, emergency credit and consumer protection matter
• Where fintech regulation is helping and slowing innovation
• What founders must understand about purpose, failure and resilience
• Why AI and quantum computing could reshape financial services
Watch till the end to understand what India has solved through UPI, what it still has not solved, and what the next phase of Indian fintech must build.