Fintech's Impact: Catalysing Financial Inclusion and Shaping Investment Choices of Gen Z

Abstract

Fintech has rapidly transformed the financial services landscape in India, significantly enhancing access to investment platforms, particularly for populations that were previously underserved. The present study aimed to explore the relationship between Fintech adoption, financial inclusion, and investment decisions among Indian investors, with a specific focus on Generation Z. Adopting a descriptive research design, data were collected from 495 individuals aged 13 to 30 through a structured questionnaire, and SPSS was employed to analyze the correlations between Fintech usage, financial access, and investment behavior, while considering factors such as income and education. The findings revealed that higher levels of income and education positively influence Fintech adoption and investment decision-making, while a strong positive correlation was established between Fintech use, financial inclusion, and more informed investment behaviors. These results highlight the importance of developing inclusive, user-friendly Fintech platforms that can strengthen financial literacy and accessibility, ultimately fostering broader financial participation and contributing to equitable economic development in India.