Digital Financial Literacy and Financial Inclusion in Developing Economies: The Mediating Role of Fintech Adoption

Narasaraju, Divakara Reddy; V, Savitha R

doi:https://doi.org/10.55041/ijsmt.v2i4.488

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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.

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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

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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.

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