TECHNOLOGIES IN FINTECH INDUSTRY AND CYBER REGULATIONS IN INDIA
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Abstract
Fintech is the short form of Financial Technology. It is a technology that has been used to support and enable not only banking services but also other financial services, in a much better way than traditional methods used in the delivery of financial services. Fintech is used to help companies, business houses and even individual customers to manage their finances in an effective way. Fintech is based on various analytical tools or software so that comparative analysis of financial status of a company or similar other companies across the world became easier and it helped a lot to the investors in making decisions ‘where to invest?’ This technology appeared in 21st Century and is going to revolutionize the banking sector like mobile banking, the trading or investment business as it is going to publish market research analysis results in real time a very short time to help investors to make their decision. According to NASSCOM, Indian Fintech software market is expected to rise to USD 2.4 Billion by 2020 from current USD 1.2 Billion. The transaction value for the Indian fintech sector is forecasted to reach USD 73 billion in 2020 growing at a five-year Compound Annual Growth Rate (CAGR) of 22 per cent. According to PWC report in 2017, India offers the highest expected return on investment (RoI) on Fintech Projects at 29% as compared to global RoI of 20%. Fintech has two basic components: a) technology-oriented innovation in the traditional banking sector and b) the emergence of new delivery models to provide financial services.
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