5 Fintech Platforms Building a More Inclusive Financial Future

On World Fintech Day, we celebrate the innovators transforming access to finance. Financial inclusion is no longer a distant goal, it's a growing reality, the agile fintech platforms that are bridging gaps across banking, insurance, investment, and digital payments and earnings. From empowering underserved communities to simplifying complex financial processes, these disruptors are paving the way for a more equitable and accessible financial ecosystem.

Here are five trailblazing fintechs Credgenics, Finhaat, Roinet Solutions,CashKaro and Wimbo  that are driving the future of inclusive finance in India and beyond.

1. Credgenics: Streamlining Debt Recovery with AI Precision

Credgenics is a global leader in AI-powered loan collections, serving banks, NBFCs, fintechs, and ARCs. Recognized as India’s top loan collections platform by IBS Intelligence for three years running, it managed 98 million loan accounts worth USD 250 billion in FY24, powering 1.7 billion omnichannel communications. Its predictive and generative AI tailors recovery strategies, making lending more efficient and accessible. By reducing financial stress for borrowers and institutions, Credgenics fosters trust and inclusion, enabling underserved communities to engage confidently with credit systems.

2. Finhaat: Bringing Financial Dreams to Rural India

Finhaat’s B2B platform targets rural India and Tier 2, 3, and 4 cities, partnering with 4,000+ individual and 170+ institutional partners to cover 80 lakh+ lives across 90% plus of India’s pincodes. Its assisted digital platform delivers curated insurance and wealth products tailored for women, farmers, and low-income households. By collaborating with grassroots organizations, Finhaat bridges trust gaps, offering digital literacy and doorstep access to financial tools. This empowers underserved communities to plan for health emergencies and future aspirations, making financial security achievable.

3. Roinet Solution: Turning Kirana Stores into Financial Powerhouses

Roinet Solution transforms kirana stores into digital financial hubs, delivering banking, insurance, investments, and credit services to rural areas. Through initiatives like “BC-Sakhi,” it empowers 3,000+ women mobile retailers, serving 30 million underserved customers and integrating 0.5 million people annually into formal banking. With a multilingual portal and nationwide presence, Roinet’s last-mile delivery model makes wealth management accessible, boosting financial confidence for rural households and fostering inclusion through tailored services.

4. CashKaro: Empowering Smarter Spending with Cashback

CashKaro, founded in 2013 by Swati and Rohan Bhargava, is India’s leading cashback and coupon platform, turning online shopping into a savings opportunity. By sharing affiliate commissions from partners like Amazon, Flipkart, Myntra, Ajio, and Nykaa, CashKaro passes real cashback to users, transferable to bank accounts or redeemable as gift cards. This model empowers millions, especially in cost-conscious households, to stretch their budgets further. By making every purchase a chance to save, CashKaro fosters financial empowerment and inclusion through smarter spending.

5. Wibmo: Securing Digital Payments for Emerging Markets

Wibmo, a PayU subsidiary, is a global PayTech leader, processing 3 billion+ transactions annually for 200+ banks and fintechs across 30+ countries. As India’s largest authentication service provider, it offers fraud management, mobile payments, and merchant-acquiring services. Wibmo’s secure, innovative solutions reduce ownership costs and make digital payments accessible for underserved populations. By ensuring safe transactions in emerging markets, Wibmo empowers millions to embrace the digital economy with confidence.