International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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A Study on Adoption of Fintech Among Customers of Public Sector Banks in Ernakulam

Author(s) Ms. Aswathi C.V, Dr. Rajani K.G
Country India
Abstract FinTech is a recent phenomenon that has changed how we think about banking. By incorporating new technologies into existing financial services, it allows for quicker, easier and cheaper transactions. In India, the public sector banks are leading the way to promote digital banking and financial inclusion by providing different services like mobile banking, internet banking, UPI, digital wallets, and investment platforms. State Bank of India was chosen for this study mainly because of its largest public sector bank status with large number of branches. In Kerala Ernakulam district is considered for the study which provides access to a large and diverse customer base within the district. The research is significant as it provides an understanding of the efficient adoption of Financial Technology services by customers of a leading public sector bank within a major commercial hub of Kerala. The research has a descriptive nature, and it has utilized both primary and secondary data for conducting the research. Primary data were collected using a structured questionnaire distributed to 181 customers of SBI in Ernakulam district. The secondary data has been collected from various online and offline sources like journals, books, and the official websites of banks. The data has been analysed using statistical tools MS Excel and SPSS. The study concludes that despite the high awareness and usage of digital banking services, security, trust, and digital literacy remain key influencers for the adoption of FinTech services.
Keywords Financial Technology (FinTech), Digital Banking, FinTech Adoption, Unified Payments Interface (UPI), Digital Payments.
Published In Volume 8, Issue 3, May-June 2026
Published On 2026-05-20
DOI https://doi.org/10.36948/ijfmr.2026.v08i03.79026
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