Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{174251,
        author = {Kaku Hardikkumar Ramesh Bhai and Kanabar Karan and Dr. Tejal Laxmikant Shah},
        title = {A Study of Impact of Fintech on Financial Inclusion},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {10},
        pages = {3243-3248},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=174251},
        abstract = {Financial inclusion, the process of providing affordable financial services to underbanked and unbanked populations, has been a global development priority. The emergence of financial technology (fintech) has presented a significant opportunity to accelerate financial inclusion efforts. This paper reviews the literature on the impact of fintech on financial inclusion, focusing on key areas such as mobile money, peer-to-peer lending, and digital payments. It explores the potential benefits of fintech in terms of increased access, reduced costs, and improved financial literacy. Additionally, the paper discusses the challenges and risks associated with fintech adoption, including regulatory hurdles, cybersecurity threats, and digital divides. Overall, while fintech offers promising prospects for enhancing financial inclusion, careful consideration of its potential drawbacks and the need for appropriate regulatory frameworks are essential to ensure its sustainable and inclusive impact.},
        keywords = {Financial Inclusion, Increased Access, Digital Payments.},
        month = {March},
        }