Has access to the internet or mobile phones been an issue in regards to uptake of fintech in India?

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Q1:Has access to the internet or mobile phones been an issue in regards to uptake of fintech in India? Please explain with specific statistics included.
Q2: Are there any BigTechs in India? If so have they had any issues with the Indian government? Explain. Are there any parallels with the case in China?
Q3: How has the COVID crisis impacted India’s financial system? Are the future opportunities around Fintech delayed?
Q4: Explain the ‘India Stack’ in regards to fintech in India.

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