Recent insights into gender and Fintech: examining the impact of digital disruption on women entrepreneurs

Purpose This study investigates how digital disruption through fintech influences women’s entrepreneurial empowerment (EE) by examining the role of digital financial capability (DFC) and Fintech service perception (FSP). This study aims to uncover not only the direct impact of digital skills but also how cognitive perceptions and contextual factors mediate or constrain empowerment in emerging economies. Design/methodology/approach Drawing on the technology acceptance model (TAM) and self-efficacy theory, this study uses a quantitative approach using primary survey data from female entrepreneurs in India. A first-order reflective model was tested using partial least squares structural equation modeling (PLS-SEM) to evaluate the direct, indirect and mediating effects among the constructs. Findings DFC emerged as the strongest predictor of EE, both directly and indirectly through FSP. Mediation analysis confirmed that FSP partially mediates the relationship between DFC and EE. However, the contextual control variables, support networks and perceived digital disruption benefits showed low significance and prevalence, indicating structural gaps in the entrepreneurial ecosystem. Research limitations/implications The findings urge stakeholders to move beyond basic access strategies and toward integrated interventions that build deep digital skills, enhance the perception of usefulness and develop local support systems. Empowerment is most sustainable when skills, trust and ecosystem readiness are aligned. Originality/value This study contributes to the emerging literature on gendered digital entrepreneurship by providing an integrated model that captures the psychological, technological and contextual pathways to empowerment in the Fintech space. It emphasizes that inclusion is not merely about access but also about meaningful engagement and support.