Published Paper Details:

The rapid evolution of financial technology (fintech) has revolutionized the way consumers interact with financial services in India. With the proliferation of digital payment systems, neobanks, peer-to-peer lending platforms, and robo-advisors, consumer engagement in the financial sector has undergone a dramatic transformation. However, this progress raises significant regulatory concerns related to data privacy, cybersecurity, financial inclusion, and consumer protection. This paper explores the existing regulatory landscape governing fintech in India, focusing on the role of the Reserve Bank of India (RBI), the Securities and Exchange Board of India (SEBI), and other key institutions. It evaluates how these regulations influence the consumer experience in terms of trust, accessibility, innovation, and transparency. The study also highlights regulatory challenges and suggests ways to create a balanced framework that promotes innovation while safeguarding consumer interests. The paper concludes by emphasizing the need for adaptive, technology-neutral, and consumer-centric regulatory policies to foster sustainable fintech growth in India.