RBI Governor Outlines 5 Priorities for India's Fintech Future
RBI Governor Sanjay Malhotra outlines India’s FinTech vision for 2025, driven by inclusion, trust, AI innovation, and the digital rupee.
Reserve Bank of India (RBI) Governor Sanjay Malhotra addressed the Global Fintech Fest 2025 in Mumbai on October 8, 2025, outlining the central bank’s vision for inclusive and sustainable growth through Digital Public Infrastructure (DPI) and FinTech innovation.
In his keynote speech, Malhotra highlighted how India’s digital transformation rests on three layers: identity, payments, and data, which together underpin the country’s financial inclusion efforts.
- Aadhaar ecosystem
- Unified Payments Interface (UPI)
- platforms like DigiLocker and GSTN
He noted that these have created a strong digital foundation enabling access and innovation at scale. Additionally, he emphasized the symbiotic role of India’s 10,000-plus FinTech firms, supported by over $40 billion in investments in the last decade, in expanding financial services to underserved populations.
India’s FinTech vision for 2025, driven by inclusion, trust, AI innovation, and the digital rupee.
Author summary: RBI Governor outlines India's FinTech vision.
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