Even as banking access has become a reality for millions of Indians through Jan Dhan accounts, a huge chunk of the working population still remains left out when it comes to access to easy credit. But several fintech companies are now trying to bridge this gap. In an interview with Outlook Money, Monish Anand, Founder and CEO, Shubh Loans, explains why this gap exists and how fintech companies are leveraging technology to bridge it. Excerpts from an interview.