Fino Payments bank commenced banking operations in 2017 as a specialised payments bank. It provides deposit, payment and also transaction banking services to underservedand underbanked customers, including low-income households, gig workers and rural communities. Operations follow a phygitalmodel, combining merchant-led assisted banking with digital channels viz FinoPay.Core offerings include CASA accounts,cash management services, domesticmoney transfer, AePS/Micro ATM, UPIand mobile banking; loans, fixed depositsand insurance distributed through partner arrangements[1][2]