Fintech Adoption and Financial Inclusion: The Mediating Role of Digital ‎Financial Knowledge

  • Authors

    • Priya K M Assistant Professor, School of Commerce & Management Studies, Dayananda Sagar ‎ University, City Innovation Campus, Kudlu Gate, Bangaluru
    • Yogashree C Assistant Professor, School of Commerce & Management Studies, Dayananda Sagar ‎ University, City Innovation Campus, Kudlu Gate, Bangaluru
    • Abhijith Assistant Professor, School of Commerce & Management Studies, Dayananda Sagar ‎ University, City Innovation Campus, Kudlu Gate, Bangaluru
    • Abhilash G Assistant Professor, School of Commerce & Management Studies, Dayananda Sagar ‎ University, City Innovation Campus, Kudlu Gate, Bangaluru
    • Shruthi M P Assistant Professor, School of Commerce & Management Studies, Dayananda Sagar ‎ University, City Innovation Campus, Kudlu Gate, Bangaluru
    https://doi.org/10.14419/gb8wcy82

    Received date: July 26, 2025

    Accepted date: September 1, 2025

    Published date: October 11, 2025

  • Financial Inclusion; FinTech Adoption; Digital Financial Knowledge; Financial Literacy; ‎Fintech use

  • Abstract

    This study investigates the relationship between FinTech use, digital financial knowledge, and ‎financial inclusion among digitally active individuals. A descriptive research design with a ‎quantitative approach was employed, utilizing an online structured questionnaire that yielded ‎‎623 responses. After rigorous screening for completeness and consistency, 478 valid responses ‎were retained for analysis. Constructs were measured using a five-point Likert scale to assess ‎engagement with digital financial platforms, awareness of digital financial tools, and access to ‎financial services. Findings indicate that FinTech use significantly enhances both digital ‎financial knowledge and financial inclusion, while digital financial knowledge serves as a ‎partial mediator between FinTech use and financial inclusion. The study underscores the ‎importance of strengthening digital literacy to maximize the economic and social benefits of ‎FinTech adoption. These insights offer valuable implications for policymakers, financial ‎institutions, and regulators seeking to leverage technology for broader financial inclusion.

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  • How to Cite

    K M, P., C, Y. ., Abhijith, G, A. ., & M P, S. . (2025). Fintech Adoption and Financial Inclusion: The Mediating Role of Digital ‎Financial Knowledge. International Journal of Accounting and Economics Studies, 12(6), 423-429. https://doi.org/10.14419/gb8wcy82