With the country aiming to push the financial technologies, R Gandhi, Deputy Governor, Reserve Bank of India, gave a reality check at a FICCI conference in Mumbai on Wednesday.

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Gandhi cautioned that people should not ignore the potential risk that comes with innovative technology. He added that there is a need of technology analysts before adapting innovations.

Gandhi was speaking at PICUP FINTECH conference where he talked about two innovatives for fintech sector- Blockchain and Market Place lending.

He said "blockchain will not eliminate the currency. Blockchain's potential is overstated."

However, on the other side he questioned the performance of fund raisers. He asked," Who guarantees the performance of fund raiser in market place lending."

Moreover, he said that banking is no longer what banks does, "it has become what non-bank does," he said.