In India, the so called digital challenger banks are coming not only from fintech start ups but also bank led capitve entities like Kotak Mahindra Bank's 811 or DBS Bank's Digibank. Among the competitors are new start ups like Niyo, Open, FI and Jupiter which have limited purpose licenses and partner with banks.source https://economictimes.indiatimes.com/industry/banking/finance/banking/large-market-ready-infra-make-india-top-destination-for-digital-banksbcg/articleshow/83370474.cms
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