We live in an economy that is sprinting forward in some ways, UPI, instant payments, a vibrant fintech ecosystem, yet feels stuck in the past when it comes to real financial innovation. Apps like Fi Money, Jupiter, Niyo, and Paytm Payments Bank have turned traditional banking on its head. I use Fi and Simpl (a Buy Now Pay Later app), and the experience is seamless. It’s intuitive, instant, and clean. You pay your dues with a tap. You track your spends. You earn cashback. It feels like the futur
