• Arikta Singh
• Komal Kumari
• Rajveer Pathak
• Deependra Sinha

The rapid expansion of financial technology (fintech) has transformed traditional financial services, offering enhanced accessibility, convenience, and efficiency. This study explores the demographic characteristics, adoption patterns, and user perceptions of fintech, drawing insights from a diverse sample of 124 respondents. Key factors such as age, gender, location, education, and employment status significantly influence fintech adoption, with younger, urban, and tech-savvy individuals showing higher engagement. Findings reveal that while fintech innovations, including mobile banking apps and digital wallets, have positively impacted financial inclusion and accessibility, challenges such as technological barriers, trust issues, and data privacy concerns hinder widespread adoption. Despite these challenges, respondents recognize the cost-effectiveness and convenience of fintech solutions, with features like quick transactions and personalized services being most valued. However, skepticism toward AI-powered tools and concerns about security remain prominent barriers. The study underscores the need for localized strategies, improved infrastructure, and user-centric designs to address these barriers and foster trust. By leveraging emerging technologies like blockchain and focusing on equitable access, fintech providers can bridge existing gaps and empower underserved populations. This research highlights the transformative role of fintech in driving financial inclusion and calls for strategic efforts to ensure its benefits reach diverse demographics worldwide.

Fintech innovations in banking, Digital Transportation in Financial Services , Disruption in traditional Banking, Cybersecurity in Digital Banking, Emerging Fintech technologies

"''The Future of Banking: How Fintech Innovations Are Reshaping Financial Services''", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 2, page no.h437-h450, February-2025, Available :http://www.jetir.org/papers/JETIR2502757.pdf

"''The Future of Banking: How Fintech Innovations Are Reshaping Financial Services''", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 2, page no. pph437-h450, February-2025, Available at : http://www.jetir.org/papers/JETIR2502757.pdf