Adoption of financial technology services for financial inclusion

Abstract

Technological advances have revolutionized financial sector leading to financial inclusion. However, there was a little focus on financial technology services in India. The present research intents to study the influences on financial technology services and the influence of fintech services on financial inclusion. Data were obtained from 258 respondents who use various fintech services. SEM was employed to analyze data. The study finds that ease of use, usefulness, trust, social influence, personal innovativeness and convenience shown a positive effect on usage beahaviour of fintech services. Further, adoption of financial technology services exerted a positive effect on financial inclusion. Present study offers implications for research and academia.