In this conversation, Sujit Christy and Vaithi Subramanian discuss the fintech industry and the risk realities associated with it. They talk about the background of the fintech industry, its growth, and its impact on the unbanked and underbanked populations. They also discuss the challenges and opportunities for CISOs in the fintech industry, including the rapidly changing risk landscape and the abundance of security products. The conversation concludes with a discussion on the role of APIs in fintech and the importance of trust and risk management in the industry.