The streets of Koramangala, one of the largest neighborhoods in Bangalore, are plastered with hoardings and banners of digital payment services. Every few steps, you find a bank, and offices of fintech startups. But when Mohammed Nayeem wanted to get a credit card, he realized his options were limited. He applied for a credit card at RBL Bank, a Mumbai-headquartered bank that has been around for more than 70 years. In the days that followed, he answered many of their questions over phone calls and provided them with a number of documents. The calls kept coming, but the card never did. Nayeem works as a freelance interior designer and earns an average of $580 each month, he told TechCrunch in an interview last year. Though this is more than enough for most banks in the nation to issue him a credit card, the fact that he does not have a traditional kind of job was off-putting to all of them. Tens of millions of people like Nayeem in India today can’t get a credit card. They have liv