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@article{182916,
        author = {Jessica Gabriella G and Aayushi P},
        title = {The effect of digital payments on reducing financial exclusion and promoting sustainable financial practices: An analysis on consumer behaviour},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {2},
        pages = {4067-4077},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=182916},
        abstract = {The intersection of digital payments, fintech innovations, and sustainable finance presents a dynamic area of research that explores the evolving role of technology in promoting environmental and economic sustainability. Financial exclusion remains a critical challenge in many economies, particularly among low-income populations, rural communities, and marginalized groups. The rise of digital payment systems has been heralded as a transformative force in improving financial inclusion and fostering sustainable financial behaviours. By integrating insights from behavioural economics, environmental studies, and financial technology, the research identifies key factors driving the adoption of digital payment platforms and their alignment with sustainable practices. The findings reveal that increased accessibility to digital payments fosters financial inclusion and enables consumers to make environmentally conscious purchasing decisions. Moreover, fintech innovations such as green investment platforms and carbon tracking tools enhance consumer awareness of sustainability issues. The study underscores the potential of digital payments and fintech in shaping a greener financial ecosystem by promoting transparency, reducing transaction costs, and incentivizing eco-friendly behaviours. This research highlights the need for collaborative efforts among policymakers, fintech developers, and financial institutions to maximize the environmental and societal benefits of digital finance, contributing to the broader goals of sustainable development.},
        keywords = {Digital payments, fintech innovations, sustainable finance, consumer behaviour, environmental awareness.},
        month = {July},
        }