• Risk market penetration: Expanding financial inclusion beyond the top 3–5% to the next 30% of the population requires unified data layers and account aggregator frameworks to systematically underwrite credit and health risk.
• Insurance regulatory reforms: Insurers should conduct all underwriting upfront within a 2- to 3-year window, after which claim payments must be mandatory regardless of past customer disclosures or network disputes.
• Product suitability audits: Financial sellers must be required to perform basic need analysis for every customer, which regulators can monitor and rate at scale by using AI to check random sample sales.
• PB Healthcare strategy: PB Fintech aims to develop a curated, shared network of 150–200 hospitals with structured care pathways, seeking to service an expected 40 million health insurance customers by 2030–31 using 16,000 beds instead of 32,000.