Microfinance in India is yet to unlock its full potential. Bhagwan Chowdhry the Research Professor from UCLA Anderson Business school and Professor of Finance at ISB Business School shared his insights from both Indian as well as the US markets. He points out some of the key opportunities that are yet to be unlocked and how a hybrid solution is needed to unlock the same. He sees a lot of play for E-commerce in this area and emphasized on deeper penetration for global E-commerce players and sees them acquiring localized solutions and bringing more convenience and safety for growth.