liquidity issues due to lean cash reserves, which would lead to consolidation in the market. But it is also a huge opportunity for digital lending platforms since a lot of consumers would shift from offline to online propositions," he said.Offering an alternativeWhile the short-term outlook looks bleak, according to Ekambaram, fintech lending apps have provided an alternative to customers to whom banks didn’t traditionally lend, and this trend is likely to continue, even strengthen.