When starting a business, assess its nature, revenue potential, and the problem it solves. Despite regulatory concerns, regulations protect customers, mitigate risks, and prevent unfair advantages. Businesses thrive within regulated frameworks, scaling and innovating. Regions like China experienced similar situations, with unregulated sectors facing regulatory corrections. In India, credit consumption drives market evolution and improves living standards. Lending operates within a clear regulatory framework for clean operations. Venture capital accelerates fintech growth, especially in BNPL, as digital lending guidelines provide clarity and establish a definitive landscape.