India’s fintech story is no longer only about fast payments. The bigger question is whether digital transaction data, UPI adoption, and ecosystem-led finance can solve India’s deeper credit access problem.

In this episode of the ExitFund Podcast, Loveena, EVP Business Head at Mega Corporation, explains how UPI has changed the way money moves in India. She breaks down why digital payments are only the starting point, and how fintech companies are now using transaction data, partnerships, and alternative credit models to reach underbanked customers.

The conversation explores UPI-powered credit access, ATM costs, digital financial inclusion, EV financing, and why segments like e-rickshaw drivers need flexible repayment models. Loveena also explains how Mega Corporation is building fintech ecosystems through state government partnerships, OEM tie-ups, real-time credit products, and personalized financial solutions.

In this episode, we cover:

• How UPI became the backbone of India’s real-time payment ecosystem

• Why fintech revenue is moving beyond payments into credit and lending

• The difference between ATM infrastructure and digital transaction models

• How transaction data can improve financial inclusion and credit access

• Mega Corporation’s work with salary advance products and state governments

• EV financing for underbanked e-rickshaw drivers and daily earners

• How alternative scoring can support borrowers without strong credit history

• Why trust, personalization, and ecosystem partnerships matter in fintech

• Key advice for entrepreneurs entering banking and fintech

Follow the ExitFund Podcast for more insights on startups, fintech, AI, technology, and emerging industries.