We speak with Madhusudanan R, reflecting upon the evolution of fintech in India over the past decade - starting from the initial hype around peer to peer lending platforms and e-wallets to how this new age sector has, naturally and by regulations, gravitated towards the traditional banking sector.

As founder and CEO of YAP, an API platform acting as a technology layer connecting businesses with banks, he shares his thoughts on the interesting marriage between public infrastructure and private innovation within Indian fintech and why it excites him. 

We're still "scratching the surface" in terms of what fintech can deliver, as per Madhusudanan - be it in verticals such as digital lending, payments or horizontals such as blockchain, big data and Artificial Intelligence. 

That surely got us excited.