FINTECH ADOPTION IN VARANASI DISTRICT: AN EMPIRICAL STUDY OF INFLUENCING FACTORS

FINTECH ADOPTION IN VARANASI DISTRICT: AN EMPIRICAL STUDY OF INFLUENCING FACTORS

Registration ID: IJNRD_300363

Published ID: IJNRD2409128

DOI: http://doi.one/10.1729/Journal.41492

SHAKTI KANT SHARMA , AKHIL MISHRA

Financial Technology (FinTech), Banking Services, Financial Inclusion, Fintech Adoption.

This empirical study investigates the primary factors that affect the adoption of Financial Technology (FinTech) in the Varanasi district, which is a Tier-2 city in India. The study aims to fill a research gap by examining the adoption of FinTech in developing regions that have limited access to banking services. The analysis employed a mixed-methods approach, combining qualitative and quantitative methodologies. It involved 400 participants using structured questionnaires and analysing the results using SPSS. The objective of the study was to identify key factors that influence the adoption of FinTech and evaluate how they affect user sentiments. The results suggest that Effort Expectancy, Social Influence, Facilitating Conditions, and Government Support have a significant and beneficial impact on individuals' views on using FinTech services. More specifically, the way people perceived how easy it was to use, the impact of their peers and community, the availability of helpful resources, and the support from the government were all crucial factors in determining their intents to adopt. These findings emphasise the significance of easily accessible FinTech solutions, active involvement of the community, strong and reliable infrastructure, and favourable legislation in encouraging the adoption of FinTech. The study provides significant information to FinTech service providers, regulators, and stakeholders who aim to improve financial inclusion and stimulate regional economic growth. To promote a more inclusive and technologically sophisticated financial ecosystem in Varanasi and similar emerging contexts, it is crucial to comprehend and tackle these essential elements, which will enable the creation of specific solutions.

Published Paper   E-Certificate

"FINTECH ADOPTION IN VARANASI DISTRICT: AN EMPIRICAL STUDY OF INFLUENCING FACTORS", IJNRD - INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (www.IJNRD.org), ISSN:2456-4184, Vol.9, Issue 9, page no.b246-b256, September-2024, Available :https://ijnrd.org/papers/IJNRD2409128.pdf

Volume 9 Issue 9, September-2024

Pages : b246-b256

Paper Reg. ID: IJNRD_300363

Published Paper Id: IJNRD2409128

Downloads: 000121208

Research Area: Commerce All

Country: VARANASI, UTTAR PRADESH, India

Published Paper PDF: https://ijnrd.org/papers/IJNRD2409128.pdf

Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2409128

DOI: http://doi.one/10.1729/Journal.41492

Journal Name: INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT(IJNRD)

ISSN: 2456-4184 | IMPACT FACTOR: 8.76 Calculated By Google Scholar | ESTD YEAR: 2016

An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.76 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator

Publisher: IJNRD (IJ Publication) Janvi Wave

This work is licensed under a Creative Commons Attribution 4.0 International License and The Open Definition

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INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT (IJNRD) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies. The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world. IJNRD will provide an opportunity for practitioners and educators of engineering field to exchange research evidence, models of best practice and innovative ideas.

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