Year: 2025
Type: article
Abstract: Fintech has revolutionized financial services by improving efficiency, accessibility, and security. This study examines its impact on financial inclusion, credit access, and economic growth, while noting adoption barriers like digital literacy, regulation, and cybersecurity. Key findings show that financial literacy, perceived security, and ease of use drive fintech adoption more than trust. The study calls for joint efforts by policymakers, fintech firms, and institutions to close the awareness gap and enhance inclusivity. Future research should explore long-term effects, DeFi’s role, and digital literacy programs. Key Words: Fintech, Financial Inclusion, Accessibility, Inclusivity, Digital Financial Services, Fintech Adoption, User Satisfaction, Awareness Gap, Digital Literacy, Trust in Fintech
DOI: 10.55041/ijsrem45294
Author: SHAKTI VERMA
Institution: Lovely Professional University
Language: English
Subfield: Management Information Systems
Domain: Social Sciences
SDG: Reduced inequalities
Open Access status: bronze
OpenAlex ID: W4409616717