While the larger fintech ecosystem is dominated by credit, payments, and distribution, there are “niche, disruptive yet massy” players in the spectrum. These new-age or Fintech 2.0 players are redefining the scope and scale of the ever-evolving ‘finance for all’ space bridging historical financial and credit gaps with innovative models of delivering financial services. The panel discussion at the ET Soonicorns Summit 2023 explored the future of fintech in India and the opportunities for innovation and growth in the sector. Speakers from ProgCap, CashKaro, Stashfin, KredX, and Balancehero India discussed the evolving landscape of financial services and the role of fintech in bridging gaps in access to finance. The article highlights the key insights shared during the discussion, including the focus on SME lending, the potential of credit cards and UPI, and the regulatory framework for fintech in India.