• Umesh Shankarrao Solanke

The rapid evolution of Financial Technology (FinTech) is reshaping the landscape of financial services across India, extending beyond urban centres into regional and semi-urban economies. This study aims to analyze the behavioural patterns, adoption drivers, and usage barriers among FinTech users in India’s regional economies, with a special focus on districts like Nanded in Maharashtra. Using a structured survey method, primary data was collected from 200 FinTech users spanning diverse demographic backgrounds. The research applies the Unified Theory of Acceptance and Use of Technology (UTAUT) and Technology Acceptance Model (TAM) frameworks to investigate key behavioural factors such as perceived ease of use, trust, digital literacy, perceived usefulness, and security concerns. The findings reveal that while digital infrastructure and awareness have improved significantly in regional areas, factors like perceived risk, lack of personalized support, and language barriers continue to affect adoption rates. Additionally, youth and salaried individuals showed higher engagement with FinTech services compared to older and self-employed segments. The study underscores the need for region-specific FinTech strategies, greater financial education, and user-centric digital solutions to foster inclusive financial growth. These insights are valuable for FinTech developers, policymakers, and banking institutions aiming to bridge the digital divide in India’s financial ecosystem.

FinTech, FinTech Adoption, Regional Economies, Digital Financial Services, Financial Technology

"BEYOND BANKING: BEHAVIOURAL ANALYSIS OF FINTECH USERS IN INDIA’S REGIONAL ECONOMIES IN NANDED DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 8, page no.7-13, August-2025, Available :http://www.jetir.org/papers/JETIRHB06002.pdf

"BEYOND BANKING: BEHAVIOURAL ANALYSIS OF FINTECH USERS IN INDIA’S REGIONAL ECONOMIES IN NANDED DISTRICT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 8, page no. pp7-13, August-2025, Available at : http://www.jetir.org/papers/JETIRHB06002.pdf