IJSMT Journal

International Journal of Science, Strategic Management and Technology

An International, Peer-Reviewed, Open Access Scholarly Journal Indexed in recognized academic databases · DOI via Crossref The journal adheres to established scholarly publishing, peer-review, and research ethics guidelines set by the UGC

Submit Research Paper
ISSN: 3108-1762 (Online)
webp (1)

By /
Plagiarism Passed
Peer reviewed
Open Access

DIGITAL FINANCIAL LITERACY AND FINANCIAL INCLUSION IN DEVELOPING ECONOMIES: THE MEDIATING ROLE OF FINTECH ADOPTION

AUTHORS:
Divakara Reddy Narasaraju
Savitha R V
Mentor
Affiliation
Economics and Business Administration / University of Technology and Applied Sciences Al Mussanah, SultanateofOman
DOI: 10.55041/ijsmt.v2i4.488
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
DOWNLOAD ARTICLE REVIEW REPORT CITE THIS ARTICLE
Abstract

This study examines the impact of digital financial literacy on financial inclusion in developing economies, with a particular focus on the mediating role of FinTech adoption. A quantitative research design was employed, and primary data were collected through a structured questionnaire from 200–300 respondents. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that digital financial literacy has a significant positive effect on both financial inclusion and FinTech adoption. Furthermore, FinTech adoption significantly influences financial inclusion and partially mediates the relationship between

Keywords
Article Information
PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 04
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Apr 24 2026
Article Metrics
Article Views
38
PDF Downloads
0
HOW TO CITE
APA

MLA

Chicago

Copy

Narasaraju, D. R. & V, S. R. (2026). Digital Financial Literacy and Financial Inclusion in Developing Economies: The Mediating Role of Fintech Adoption. International Journal of Science, Strategic Management and Technology, 02(04). https://doi.org/10.55041/ijsmt.v2i4.488

Narasaraju, Divakara, and Savitha V. "Digital Financial Literacy and Financial Inclusion in Developing Economies: The Mediating Role of Fintech Adoption." International Journal of Science, Strategic Management and Technology, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i4.488.

Narasaraju, Divakara, and Savitha V. "Digital Financial Literacy and Financial Inclusion in Developing Economies: The Mediating Role of Fintech Adoption." International Journal of Science, Strategic Management and Technology 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i4.488.

References
[1] A. Demirgüç-Kunt et al., “The Global Findex Database 2017,” World Bank, 2018.

[2] World Bank, “Financial Inclusion Overview,” 2024.

[3] World Bank, “Global Findex Database 2025,” 2025.

[4] P. K. Ozili, “Financial inclusion and fintech: A review,” 2021.

[5] T. Suri and W. Jack, “The long-run impact of mobile money,” Science, 2016.

[6] F. Allen et al., “The foundations of financial inclusion,” 2016.

[7] T. Beck et al., “Reaching out: Access to financial services,” 2007.

[8] A. C. Lyons and J. Kass-Hanna, “Digital financial literacy,” 2021.

[9] OECD, “Digital Financial Literacy Framework,” 2024.

[10] OECD, “Digital Payments and Financial Literacy,” 2025.
Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
Indexed In
Similar Articles
Climate-Conscious Capital and the Net-Zero Transition
string(19) "Dr. A C Kiran Kumar" Kumar, D. A. C. K.
(2026)
DOI: 10.55041/ijsmt.v2i4.126
An Empirical Study of Price Action, Return, Volatility and Risk in MCX vs International Exchange: A Comparative Analysis of Gold, Silver, Oil, Gas and Copper
string(30) "S. Subhadharsini,Dr.K.Rajamani" Subhadharsini,Dr.K.Rajamani, S.
(2026)
DOI: 10.55041/ijsmt.v2i4.020
Wildlife in Kabini National Park: Flora and Fauna Present in Kabini National Park
string(18) "Spandana Rameshwar" Rameshwar, S.et al.
(2026)
DOI: 10.55041/ijsmt.v2i3.342
Back to Volume 02, Issue 04
Scroll to Top