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...“Two ways,’’ is the response. “Gradually, then suddenly.” Years later, disruption in India’s financial services business could well follow a similar trajectory. Just as Uber and Airbnb have disrupted the transportation and hotel industry, a confluence of factors is creating the opportunity to disrupt India’s financial services. Incumbents who ignore these forces or are slow to react place themselves at significant risk. Among the many reasons, foremost is rising customer expectations. Consumers are getting used to product and service standards provided by modern internet companies in every aspect of daily life, from buying groceries to booking movie tickets online, and expect these experiences to extend to other business transactions. Furthermore, falling costs of wireless data access and smartphones are unlocking access for millions of consumers every month. ...Live Mint on Sept. 25, 2017, 11:33 p.m.