India, Nov. 5 -- India's digital financial ecosystem is operating at enormous scale. The Reserve Bank of India's Financial Inclusion Index reached 70.0 in March 2026, from 67.0 a year earlier, while UPI processed approximately 23.66 billion transactions in July 2026. This progress raises an important question for fintech education: how should universities prepare students to build services that people can understand and use with confidence?

A loan can be approved in minutes, while its repayment obligations extend over years. An investment can be purchased with a few taps, even when the buyer has only a limited understanding of the risks. For universities preparing the next generation of fintech professionals, the gap between ease of tran...