The Impact of FinTech Adoption on Financial Inclusion and Investment Behaviour Among Indian Youth

Author(s)	Mr. Archikey Singh Tomer
Country	India
Abstract	Abstract This study investigates the relationship between FinTech adoption, financial inclusion, and investment behaviour among Indian youth. Data collected from 50 respondents via structured questionnaires reveal high usage of basic FinTech services such as UPI and mobile wallets, while advanced tools like digital lending and insurance platforms remain underutilized. Statistical analysis shows a strong positive correlation (r = 0.68, p = 0.002) between FinTech usage and financial inclusion indicators such as digital credit access, savings behaviour, and financial behaviour changes. Further, financial literacy strongly influences investment diversification and frequency. Findings highlight the need for targeted financial education and simplified FinTech products to bridge existing gaps. The paper concludes with policy and educational recommendations aimed at fostering inclusive digital financial ecosystems for youth in India
Keywords	FinTech, Financial Inclusion, Financial Literacy, Investment Behaviour, Indian Youth, Digital Finance
Field	Business Administration
Published In	Volume 7, Issue 3, May-June 2025
Published On	2025-06-01
DOI	https://doi.org/10.36948/ijfmr.2025.v07i03.46767
Short DOI	https://doi.org/g9m2df

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