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The rise of India’s digital economy in the past decade has revolutionized everyday lives of people. This wave of digital transformation is evident from the smartphone penetration and the increasing prevalence of digital payments. Advanced digital technologies such as Artificial Intelligence (AI), Machine Learning (ML), Data Sciences and blockchain are propelling India’s finance industry towards a chapter of diversification, enhancement and unprecedented growth. PayTech startups are playing a vital role in this transformation, and tracking some of the trends prevalent across the industry is a vital instrument for understanding how the future of payments will proceed in 2023.