Jio Financial Services aims to triple or quadruple its customer base to 100 million within 12 months, is well capitalized with roughly $2.5B equity and a $10-12B lending runway, has low borrowing and acquisition costs from its Jio brand and AAA rating, and is using AI to reduce operating costs; partnerships with BlackRock, Allianz and BofA support growth in lending, asset management and insurance.