• Vishnu E S

Abstract The rapid growth of financial technology (Fintech) has transformed the banking sector, offering innovative solutions to enhance operational efficiency and service delivery. This study seeks to understand the adoption of Fintech in selected public sector banks by examining employees’ awareness, perceptions, and the perceived impact on their job performance. A descriptive research design was employed, and data were collected from 100 employees using a structured questionnaire. The findings reveal a high level of awareness and favourable perceptions towards Fintech adoption among employees. Respondents strongly agreed that Fintech tools improved productivity, accuracy, and service delivery while enhancing their confidence in handling customer queries. Furthermore, Fintech adoption was found to have a positive influence on overall job satisfaction and performance. The study highlights the importance of continuous training and digital skill development to ensure effective utilisation of Fintech innovations in public sector banks.

Fintech adoption; public sector banks; employee awareness; employee perception; job performance; work efficiency; service delivery; job satisfaction.

"UNDERSTANDING FINTECH ADOPTION IN PUBLIC SECTOR BANK: A DESCRIPTIVE STUDY OF AWARENESS, PERCEPTION, AND IMPACT”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 2, page no.a160-a165, February-2026, Available :http://www.jetir.org/papers/JETIR2602020.pdf

"UNDERSTANDING FINTECH ADOPTION IN PUBLIC SECTOR BANK: A DESCRIPTIVE STUDY OF AWARENESS, PERCEPTION, AND IMPACT”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 2, page no. ppa160-a165, February-2026, Available at : http://www.jetir.org/papers/JETIR2602020.pdf