Fintech  is working on an important financial segment in the current era and gradually participating in almost all the activities in the financial activities .The companies who invested in Fintech were not even compared with the growing industry of Silicon valley .The investment of the Fintech segment grew from 5% - 20% - almost a fair share of GDP in the financial industry .Today , Fintech has found its home in the innovation economy globally .It has brought a transformation in the trend of - consumer demand drive change in the -a) Digital lending , b) Digital investment services c) Digital technology providers d) Digital deposits & savings . Most of these patterns are governing in B2B segments to facilitate the consumer demand to drive the change in customer service for more transparency & in faster mode .Speaking with the experience of 20 years in Financial services , according to Govt guidelines with social distancing and careful networking becoming  a new norm , notes as a medium of exchange hardly remain relevant and so does bank cheques . Starting with electronic  wallets that became popular over a few years with bank & Fintechs embracing mobile phone and Big Techs pretty much making every aspect of life digital , coronavirus bring forward the future of finance in a swoop .The Covit -19 crisis has put the entire banking ecosystem under stress . The personalised digital solution , a strong capital foundation and visionary leadership is the only alternative solution that appears to be more important and needed than ever . There has been a significant impact on the fintech market place unlike traditional banking systems but the existence of the majority of the Fintech companies less than a decade  . Fintech industries are now suffering due to slow down of investment as most of the Fintech tech companies are working below the operational profitability &  the revenu of the Fintech companies have dropped  since Pandemic . Survey was conducted by Genome in March and it states that 40 % of the tech companies ( including Fintech ) do not have enough cash or credit lines to survive or sustain post June 2020 . Fintech Deals have fallen for 8 straight months from August 19 - 261 to Mar 20 -142 . Even Fintech Funding has fallen fro Q4 19 11 Billion dollar to Q1 20  6 Billion Dollar and it has huge impact on the The Fintech industry as investment is the lifeline for most of the Fintech companies .The new edge Fintech players that will rise to the occasion on the back of relevant , high impact solutions will learn a leading edge over their peers in the post Covit market .Infact , innovators in the country's Fintech space are already supporting the quarantinedpopulation - individual as well as enterprises alike - the lockdown battered the schemeof things . Hence everyone ( individual or Business house ) relies on online payment , digital payment mode , UPI , credit & debit card etc etc .The maximum people will prefer to move to digital payment mode to be more healthy as well as away from the virus .There is a big segment of the people still unbanked and do not have smartphones , hence Fintech has a bigger challenge in this sector till it improves .AePS and mATM play a bigger role in India to thread through all such issues .New age Fintech platforms to carry out the range of operations such as lending , spending ,investing , fund transfer etc assisted e commerce on B2B2C platforms are another features that new edge fintechs to Indian users post lock down , post pandemic future .Conclusion :-1) Financial inclusion in developing markets have become even more important during Pandemic .
2) Mobile solutions are providing a lifeline in emerging economies .
3) Fintech firms can use this opportunity to build their reputations & emerge stronger once the crisis has passed .
4) While there will be short term solution like vaccines , lasting changes will come through healthier lifestyles and increasingly digital approach to life , increasing coupling of technology and finance ,zooming onto future with AI/ML , Block Chain that may already upon us .