The theme on Buy Now Pay Later is among the many fintech themes playing out in the market currently. To understand these themes and more on the fintech side ET Now spoke with Tamal Bandyopadhyay, author and senior journalist, Yezdi Lashkari, Founder & CEO of Flexmoney Tech and Upasana Taku, Chairperson, Co-founder and COO of MobiKwik. Tamal says NBFCs are at a distinct advantage with regard to cost of money, technology and customer acquisition. All of these are playing in against banks. On the fintech side, the opportunity is immense says Upasana and Yezdi sees that the differentiation is evident and accentuated. Hersh Sayta takes you through what they say and the incoming disruption.