In this episode of Building Momentum, Yash sits down with Pallavi from PCA Global Associates to unpack how FinTech is evolving across geographies, and why trust, compliance, and discipline matter more than speed alone.

Pallavi shares insights from working across financial services, embedded finance, challenger banking, and global regulatory ecosystems, highlighting a crucial mindset shift for founders and product leaders: innovation without trust doesn’t scale.

The conversation dives into:

• Why trust must come before innovation in FinTech

• How UPI transformed Indian business models

• The rise of embedded finance and challenger banking

• Why regulators should be involved before product roadmaps

• How speed, discipline, and security define sustainable growth

• Emerging trends like CBDCs, tokenized liquidity, cross-border payments, and super apps

Drawing from real-world delivery experience across India, Africa, Europe, and Southeast Asia, Pallavi explains how FinTech solutions must balance user experience, compliance, and operational resilience to succeed at scale.

If you’re a founder, FinTech leader, product manager, or operator, this episode offers practical perspective on building financial products that are not just innovative, but useful, compliant, and trusted.