As digital infrastructure and financial technologies proliferate in India, embedding finance into non-financial platforms has emerged as a compelling business innovation. Across a range of domains, from e-commerce to agritech, embedded finance promises to increase financial inclusion, improve user experience, and enhance the monetisation capabilities of digital platforms. This brief explores the conceptual foundations, current landscape, key opportunities, and pressing challenges associated with embedded finance in India. It interrogates the implications of embedded finance for regulators, financial-service providers, and end-users, taking into account recent developments, policy initiatives, and industry trends. Finally, it offers policy recommendations to support the responsible growth of embedded finance, to ensure consumer protection and systemic stability.
Embedded Finance in India: Opportunities and Challenges (Sauradeep Bag – Observer Research Foundation)
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