Financial Technology and Its Impact on Poverty in India

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The paper aims to examine the effects of financial technology (Kisan Credit Card and ATM) on India's Poverty and empirically analyze the influence of financial technology on poverty scores. We consider data from twenty-two Indian states for three fiscal years, i.e., from 2018 to 2020. The current study uses panel data analysis to test the hypothesis. Results suggest a negative association between financial technology (Kisan credit card and ATM) and its influence on the poverty score in India. The current study suggests that the government should pay more attention to expanding financial technology, including increasing economic growth and financial stability and eliminating poverty by investing in infrastructure that would enhance banking services.




Gautam, R. S. … Rastogi, Dr. S. (2021). Financial Technology and Its Impact on Poverty in India. International Journal of Management and Humanities, 6(3), 1–10.

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