India’s preparedness in terms of the digital goal will be the biggest differentiator. Digi techs and fintech have made it possible, Kamath stated in a chat with Nikunj Dalmia, Managing Editor ET Now. Further sharing his views on which piece of the banking/financial sector is he most excited about, the NaBFID chief said, ‘If this conversation had taken place 6-8 months back, I would have said the fintech sector. But somewhere in the entire Digi tech piece, there’s a visible challenge between the value created and valuation expectation. So there’s a discord between the value and the valuation.’