Fintech
Accelerating financial innovation and economic inclusion France–India
A Sector Undergoing Profound Transformation
Fintech is fundamentally reshaping financial services by combining digital technologies, new user behaviours, and innovative business models. Digital payments, embedded finance, blockchain, financial cybersecurity, and regtech are transforming the relationship between financial institutions, businesses, and users.
In this context, France–India cooperation represents a strategic lever to combine innovation, security, and large-scale deployment.
Vision 2025–2030
By 2025–2030, fintech will be structured around several key trends:
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widespread adoption of digital payments,
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the rise of embedded finance,
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automation of financial services through AI,
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development of blockchain technologies and digital assets,
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strengthened requirements for compliance and cybersecurity.
This period marks a turning point towards financial services that are more accessible, faster, and more secure.
France-India Analysis
France
France relies on a mature and well-regulated fintech ecosystem, characterised by:
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a strong banking and insurance sector,
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a robust regulatory framework recognised at the European level,
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strong expertise in payments, financial cybersecurity, and regtech,
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a capacity for innovation at the intersection of finance, technology, and compliance.
France provides a reference environment for the development of reliable and secure financial solutions.
India
India is one of the most dynamic fintech markets in the world, with:
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widespread adoption of digital payments,
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large-scale public digital infrastructure,
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a highly active financial startup ecosystem,
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a unique ability to rapidly deploy solutions to very large user bases.
The country plays a key role in usage-driven innovation and large-scale deployment.
+400 billion
USD: Estimated value of the global fintech market by 2030
1 billion
of digital payment users in India
+20 %
per year: average growth of digital financial services
Top 3
France's position among the most structured fintech hubs in Europe
Common strategic challenges
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security of transactions and data protection,
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interoperability of financial systems,
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regulatory compliance and governance,
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financial inclusion and new use cases,
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responsible innovation and user trust.
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A Financial Innovation Corridor
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Fintech represents a natural axis of France–India cooperation, combining:
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regulatory and financial expertise,
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technological innovation capacity,
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large-scale deployment,
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value creation for businesses, institutions, and end users.
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FIBC Perspective and Approach
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The platform offers a structured view of France–India fintech challenges by promoting:
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exchanges between financial, technological, and institutional stakeholders,
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understanding of regulatory frameworks and market priorities,
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identification of partnerships and investment opportunities,
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connections between complementary ecosystems.
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This approach aims to support innovative, secure, and inclusive finance, serving bilateral economic development.
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