And Banks can partner to offer innovative and customer friendly products across various sectors such as wealth management, insurance aggregation, lending, account opening etc. The aim is to come together to create solutions that enhance customer experience. Addressing the Changing Dynamics Over the years digital payments have been addressing the changing consumer behavior. Millennial and Gen have rapidly adopted digitization for discretionary and non discretionary spending. With the popularity of smartphones and e commerce platforms, new age consumers aspire to have on the go mobile payment solutions and seamless and faster credit availability. Conversely, the merchant community is adopting digital payments to drive big ticket sales. Flexible and transparent payment options help them attract and convert customers. The credit model of paying through monthly installments has been well accepted since the launch of credit cards. Taking steps further, the new age payment options provide on the go credit while checking out one commerce portals or making a purchase in store and do not require carrying physical cards or remember pins. While making offline purchases at stores instant flexible digital payment schemes create a big win situation for customers and merchants. New age technological solutions have eliminated the tedious documentation process and can provide real time credit access with better risk assessment methodologies. signatures, catboats, etc. They are cost effective and time efficient processes for lenders, borrowers and retailers. Trusted by thousands of merchant partners and direct tie ups with the largest banks of India, new age digital platforms ensure customers can now afford to purchase through EMIs in a few seconds, even without a credit card. Adopting a future of While utilizing technology to improve convenience and transparency compared to the current offerings. The collaboration between traditional banks and fitness can help overcome each other shortcomings and utilize respective strengths to help unlock unaddressed demand and create a bigger and better market. Monday record rally in should be seen as one that was driven primarily by investor sentiments rather than by market fundamentals. As with any purely sentiment-driven rally things can take a turn for the worse if subsequent events fail sentiment driver to meet the market expectations. There is very little in the form of market fundamentals to warrant the kind of exuberance shown by investors on Monday. Corporate earnings data released as of now for the January March quarter suggest that earnings might actually witness a significant fall from what they were a year ago. Growth has also been slowing down in core sectors as consumer demand has failed to pick up and liquidity remains a concern across the economy. Demand has hailed still investors may be hoping that things could get better in the coming years as a stable government at the Centre will be able to undertake economic reforms. While the fact remains that no big-bang reforms that could give economic reforms a strong boost to economic growth have been implemented in the last five years, investors may still view the government as less populist as any other realistic alternative. Trade tension government between the U.S. and China is another immediate risk that will determine the direction of equity.