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@article{192594,
        author = {Dr. Sachin Suresh Bidave},
        title = {Transforming Access: The Role of Fintech in Financial and Social Inclusion},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {9},
        pages = {3051-3059},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=192594},
        abstract = {FinTech, as a rapidly advancing technological innovation, has the potential to transform the financial landscape by providing consumers with access to a wide range of financial products while enabling institutions to achieve greater operational efficiency. This study aims to clarify the concepts of social inclusion, social capital, and financial inclusion, and to explore the influence of FinTech growth on these dimensions. Drawing primarily on a review of existing literature, the research examines both theoretical perspectives and empirical findings on social and financial motivations behind user behavior, highlighting their significance in promoting social inclusion, financial inclusion, and social capital. The findings indicate that FinTech has been particularly effective in advancing financial inclusion, addressing critical digital divides related to gender, socio-economic status, and rural-urban disparities. By enhancing financial inclusion, FinTech also contributes to broader social inclusion, supports economic growth, and strengthens societal stability, reaching even micro-level populations. By addressing these interconnected themes, which have received limited critical attention in prior studies, this research offers a conceptual foundation for future empirical investigations into how the expansion of FinTech can foster social capital and drive inclusive societal development.},
        keywords = {Product Differentiation; Technological Innovation; Pricing Mechanisms; Firm Performance; Real Estate Sector},
        month = {February},
        }