In the first part of The Bottomline Series, we explored the transformative impact of fintechs and projected the fintech ecosystem to create $400 billion in value by FY30. We then mapped India’s billion-plus heterogeneous, addressable fintech users in the second part, identifying underserved areas and outlining opportunities for fintechs to create value across different segments. ‘Reaching a Billion' explores how fintechs can acquire and serve India’s billion-plus users. We delve into how financial services are becoming increasingly contextual, embedded at the point of user interaction, and omnipresent across India’s digital economy. As supply chains digitize, open digital networks emerge, and consumer platforms scale, financial services are rapidly expanding their reach. We examine how the convergence of these trends could create a $25 billion revenue opportunity by FY30.