The best way to grow your business is by way of inorganic growth. The greatest number with least resistance to migrate to Finin platforms are millennials working in software / ITES companies ans startups. The easy way to get customers is to pile on HR service provider. So, a free HR service provider startup like Kredily will be an added advantage. In this backdrop, Finin may try to acquire Kredily to get access to so many employees and also can provide various financial services to these employees by converting them as neo bank customers.