Through a pan-India distribution network and unique technology, the firm provides a comprehensive variety of financial goods and services. As of March 31, 2021, it had expanded its operating footprint to include over 94 percent of districts. In FY2021, the firm’s infrastructure facilitated around 434.96 million transactions worth INR1,329,306.90 million.
Its goods and services include current and savings accounts (CASA), debit card issuance and related activities, domestic remittance facilitation, open banking capabilities, cash withdrawal and deposit (through micro-ATM or Aadhaar Enabled Payment System “AePS”), and cash management services (CMS).

Cross-selling other financial goods and services, such as third-party gold loans, insurance, bill payments, and recharges, is made easier by merchants in the company’s network.
Fino’s business strategy is asset-light, relying mostly on fee and commission-based revenue from its merchant network and targeted commercial agreements.
Fino’s phygital delivery approach, which combines physical and digital delivery, is built around each merchant serving the banking and financial requirements of its community. Fino’s capacity to cross sell third-party items to its existing clients is enhanced by the company’s use of analytics on data acquired through the eco-system, resulting in increased potential income and the possibility to better tailor Fino’s product and service offering.