New Delhi, Dec. 16 -- India's fintech lending sector is entering its second act-and it looks markedly different from the first, top industry executives told Mint.

Speaking at a panel discussion on digital lending's next chapter at Mint's annual BFSI Summit on Friday, fintech founders said the sector is moving away from blitz-scale expansion toward stronger liability management, unit economics and deeper monetization of existing customers.

"I don't think fintech 2.0 is about scale anymore," said Sandeep Singh, chief executive of Trillionloans, a subsidiary of BharatPe. "It's more about liability management and depth of customer monetisation."

That shift follows a turbulent first decade for digital lending.

"The entire fintech lending i...