Published Paper Details:

The study examines the growing importance of fintech innovations in improving access to financial services among rural populations. Financial inclusion plays a vital role in economic development by enabling people to access banking, digital payments, savings, credit, and other financial services. The main purpose of the study is to identify the role of fintech innovations in promoting financial inclusion in rural areas and to analyze the impact of financial literacy on the adoption of fintech services. The study is based on primary data collected from 400 respondents selected through convenience sampling. A descriptive research design was adopted to understand the awareness, accessibility, and usage of fintech services among rural people. Statistical tools such as ANOVA and t-test were applied for data analysis using JAMOVI software. The study highlights how financial literacy and technological accessibility influence fintech adoption in rural Karnataka. The findings of the study contribute to policymakers, financial institutions, fintech companies, and researchers by providing insights into improving digital financial services and enhancing financial inclusion initiatives in rural areas.