Rakesh Makkar of Fullerton India says Aadhar based e-KYC has brought down the compliance challenges & increased the overall efficiency. He believes that the customer expenditure has increased & there is huge demand for loans, and since the market is wide open, agile NBFCs can sustain & compete with Fintechs in lending space. He also adds that the NBFCs which have physical presence will gain more since the rural market has enormous potential.