India, Oct. 24 -- If fintech has evolved across a wide spectrum in the last decade and a half, so has MobiKwik. Much like the industry, the startup has had its fair share of ebbs and flows and, along the way, it rode the waves that swept through the most significant sector of India's digital economy.

Starting as a mobile wallet used for recharging cellphones and making bill payments back in 2010, the fintech veteran expanded to buy-now-pay-later services for digital purchases and then to UPI. MobiKwik is now a lending and wealthtech company.

Once a roaring rival to Paytm, is today a quiet warrior. But, what makes the story of MobiKwik interesting is the never-say-die attitude of its parents Bipin Preet Singh and Upasana Taku.

And, it p...