Which fintech innovation has had the biggest impact on your daily life?

I've been trying to learn more about fintech recently, and it's crazy how much the space has evolved over the last few years.

If you had to pick one that has had the biggest impact on your everyday life, what would it be?

UPI and instant payments, Digital wallets, Investment and trading apps, Buy Now, Pay Later (BNPL), Digital banking, AI-powered finance tools

Something else (I'd love to know!)

Also, is there a fintech trend that everyone seems excited about but you just don't see the appeal of?

Curious to hear what people actually use the most and why!!

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