If 2018 dawned full of promise for fintechs, 2019 is all about uncertainty. Adjusting to a new reality. One where they can’t bank on the convenience offered by Aadhaar. One where they can no longer count on reams of data from Facebook and Google. And one where they can’t rely on a single source of capital for lending. Come 2019, fintechs will have to rethink their reliance on the underlying infrastructure they took for granted to do business.
What a marked change from 2018. Back then, WhatsApp was still to launch payments.