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May 6, 2026Vilakshan – XIMB Journal of ManagementOpen Access

Transforming inclusion: role of Fintech in reshaping financial accessibility in emerging Indian economy

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Authors

ARAina RafatSSSmriti SrivastavaDGDivya Gangwar

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Overview

Analysis reveals fintech adoption is driven by financial literacy and social influence, suggesting targeted strategies are essential for economic growth.

Key Points

  • To investigate key factors influencing fintech adoption in developing nations, particularly in India.
  • Utilized the technology acceptance model (TAM) framework.
  • Focused on factors like Perceived Ease of Use, Perceived Usefulness, Social Influence, and Financial Literacy.
  • Examined their impact on fintech adoption among underserved populations.
  • Financial Literacy was identified as a significant factor in engaging with fintech services.
  • Perceived Ease of Use and Social Influence enhance the intention to adopt fintech.
  • Perceived Usefulness emerged as a critical driver for low-income groups, especially first-time financial service users.

Cite This Study

Rafat et al. (2026) studied this question.

synapsesocial.com/papers/69fa8eca04f884e66b5313f9https://doi.org/10.1108/xjm-04-2025-0041
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model2025 · 3 citations
  2. 2"Role of FinTech in Promoting Financial Inclusion in India"2026
  3. 3"Role of FinTech in Promoting Financial Inclusion in India"2026
  4. 4Impact of FinTech Innovations on Financial Inclusion in India2026
  5. 5Fintech and Financial Inclusion: Evidence from Emerging Markets2025 · 9 citations