# Governance, not growth, will define FinTech’s next decade: CEOs 2026-08-12T18:42:23+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet FinTech leaders meeting in Mumbai on Wednesday said the sector must shift focus from rapid growth to building strong institutions with better governance and customer protection. Pallavi Shrivastava of Progcap said the first decade was about data innovation but governance will now decide which companies survive. She said regulatory changes forced her firm to build its own NBFC after relying on banks. Ashok Hariharan of IDfy warned that a single regulation, like UPI replacing wallets, can kill a business model. Upasana Taku of MobiKwik said access and inclusion remain vital but must be paired with accountability. ## Coverage - bfsi.economictimes.indiatimes.com Tags: Digital lending, fintech, governance, institution building, RBI, regulation Canonical: https://indianopinion.org/governance-not-growth-will-define-fintechs-next-decade-ceos/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/governance-not-growth-will-define-fintechs-next-decade-ceos/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.