Digital lending: Now more than ever we need fintechs to democratise credit, uplift livelihoods The digital innovation India has made so far is here to stay. It needs adoption into commercial application to deepen the financial inclusion net Financial inclusion can only be improved by strengthening consumer awareness and increasing product choices The Bill & Melinda Gates Foundation's annual report 2019 titled "Goalkeepers: Examining Inequality", tracked the global progress in meeting the UN's Sustainable Development Goals (SDGs) by 2030. It mentioned that "geography and gender are the biggest drivers of inequality, which can be addressed with smart policies built around digital technology that improves both the quality and reach of government services".