Fintechs are valued on different parameters like their stage, segment and primarily on multiples of gross revenue. Higher the chances of Fintechs to scale up the more funding they are bound to receive from investors says Sandesh Hegde who is a Fintech strategist. Traditional banks & financial services need to innovate to keep pace with new age Fintechs. Sandesh sees brighter future for Fintechs though the majority of Fintechs have not achieved break-even since India’s half the population is under banked. He also believes that Blockchain based crypto currencies have regulatory challenges but will certainly gain traction in future.