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In this episode of One Big Podcast, Nikhil Chawla speaks to Women’s World Banking South Asia Head Kalpana Ajayan about what financial inclusion in India really means beyond the number of bank accounts opened. Ajayan examines the gaps between access, usage and quality and explains why financial products need to be designed around the people using them. The conversation dives into women’s participation in the gig economy, the risks of India’s easy credit boom and emerging tools such as parametric insurance. Ajayan shares her thoughts on consumer protection and fraud risks in digital finance, and explains why banks, regulators and platforms need to work together to make financial services more inclusive.