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The financial services industry has seen significant transformation due to technological advancements, with India being a nurturing ecosystem for innovations. The J.A.M trinity of Jan Dhan, Aadhaar, and Mobile has fostered fintech advancement, leading to the development of digital payments and lending services. AePS and UPI are examples of how innovation has revolutionized financial transactions, with UPI registering a record 10.58 billion transactions in August 2023.
