In this episode, MEDICI talks to Nikhil Kumar, Cofounder, Setu. Setu provides modular APIs for FinTechs to embed financial services capabilities into their apps. In this conversation, Nikhil talks about the ambitions of Setu, challenges in operating with the ecosystem and why he thinks the only way for FinTechs large and small to succeed is distinct value accrual in the value chain.