The Impact of Fintech on Consumer Financial Behaviour and Decision-Making

Balachandramurthy E; Swapna NS

doi:10.36948/ijfmr.2026.v08i03.78745

The Impact of Fintech on Consumer Financial Behaviour and Decision-Making

Author(s)	Prof. Balachandramurthy E, Prof. Swapna NS
Country	India
Abstract	Abstract Purpose: This study investigates how consumer financial behaviour and decision-making are impacted by financial technology or Fintech. It investigates on how factors like financial literacy, confidence and educational background affect users’ capacity to make safe and informed financial decisions on digital platforms. Design/Methodology: A structured questionnaire was given to 400 respondents who actively utilize Fintech services as part of a quantitative descriptive research approach. To investigate the connections between qualification, financial literacy, user confidence and Fintech adoption, statistical tools like ANOVA, regression and correlation analysis were used. Findings: The findings showed a strong correlation between users’ confidence in utilizing Fintech to make financial decisions and their level of education. While financial literacy demonstrated a moderately favourable link with confidence in financial decision-making, security concerns and trust considerations were found to have a significant impact on Fintech adoption. These results imply that trust and responsible use can be promoted by better financial education and open Fintech platforms. Originality: This study adds to the existing empirical body of knowledge regarding the ways in which Fintech affects the psychology and behaviour of consumers in emerging economies. By emphasizing the dual role of Fintech-empowering customers through accessibility and efficiency while also exposing them to security and cognitive risks-it connects behavioural finance with digital innovation. Policymakers, developers and educators can use the study's useful insights to encourage financial inclusion, knowledge and trust in the digital finance ecosystem.
Keywords	Keywords – Fintech, Consumer Financial Behaviour, Financial Decision Making, Financial Technology
Field	Sociology > Administration / Law / Management
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-17
DOI	https://doi.org/10.36948/ijfmr.2026.v08i03.78745

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The Impact of Fintech on Consumer Financial Behaviour and Decision-Making

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