India, Feb. 27 -- India has the world's third-largest fintech ecosystem, with a market opportunity projected to exceed $2.1 Tn by 2030. However, this massive potential is shadowed by a sobering reality: innovation alone is no longer a guarantee of survival. While the ecosystem is teeming with creative solutions, 61% of investors cite a lack of Product-Market Fit (PMF) and 48% point to cash flow issues as the primary killers of Indian startups. In the fintech sector specifically, the hurdles are even more specialised.

For many founders, the gap between building a great product and creating an institutional-grade business, one that can stand the test of time and scale without operational overstretch, remains the most challenging phase of t...