Talking with Ranjith K. Shyamaladas, Founder & CEO of Modapay at Fintech Surge, 2023 he feels its new location brought an “amazing crowd”, that regional fintechs players are now serving different audiences and compliment established banks, more consolidations are coming in the fintech space and that the next “big-thing” will be first earners entering the workforce – Gen Z, Millennials, who he names as “Zillennials”.