Your every word is correct, but i m seeing different picture 
. See HDFC Empire created with much lesser efforts than Reliance.
At same time Google / Amazon is created with very few efforts as compared to HDFC. And the value is far greater.
What i see is they r first movers in Digital lending space.
If each nd everything Will be Digitise then why Lending will be left. So digital lending will be the future there is. No question on it. If that happens this couple will definitely creats some space in industry.
More they r working with Flipkart, Amazon,Zomato and few more lending apps.
I request u to have some deeper analysis on Apollo finvest.
Thanks 
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