ISSN2320-2882
Impact Factor9.17
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ESTD2013
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Paper Title
Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India
Authors
Dr Rahul S Mohile , Prachi S Mandal , Jitesh A Bordikar , Amit M Vadaliya
Keywords
Microfinance, financial inclusion, fintech adoption, digital financial services, artificial intelligence
Abstract
Microfinance institutions are essential for advancing financial inclusion by offering financial services to underserved and low-income populations. In recent times, technological progress, including financial technology (FinTech), digital financial services, and artificial intelligence, has greatly altered the financial sector, presenting new possibilities for enhancing microfinance operations. This study investigates the effects of adopting fintech, digital financial services, and artificial intelligence on financial inclusion and credit access within microfinance institutions in India. This study relies on primary data gathered from 120 participants involved in microfinance services, such as microfinance borrowers and small business owners in Maharashtra, India. Data were collected using a structured questionnaire, and the responses were analyzed using statistical methods, including descriptive statistics, correlation analysis, and regression analysis, using Jamovi software. The results indicate that digital financial services have a statistically significant positive effect on financial inclusion. However, the adoption of FinTech and artificial intelligence did not show a significant impact on financial inclusion and credit access, respectively. These findings highlight the need to expand digital financial services to bolster financial inclusion in microfinance institutions. This study recommends that policymakers and financial institutions concentrate on enhancing digital financial infrastructure and promoting digital literacy to improve the success of technology-driven financial inclusion efforts.
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IJCRT — journal style
"Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 3, page no.d672-d680, March 2026, Available :https://ijcrt.org/papers/IJCRT2603437.pdf
APA — 7th edition
Mohile, R. S., Mandal, P. S., Bordikar, J. A., & Vadaliya, A. M. (2026). Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India. International Journal of Creative Research Thoughts, 14(3), d672-d680. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437
MLA — 9th edition
Mohile, Rahul S, et al. "Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India." International Journal of Creative Research Thoughts, vol. 14, no. 3, 2026, pp. d672-d680, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437.
Chicago — 17th, bibliography
Mohile, Rahul S, et al. "Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India." International Journal of Creative Research Thoughts 14, no. 3 (2026): d672-d680. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437.
Harvard — author–date
Mohile, R.S. et al. (2026) 'Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India', International Journal of Creative Research Thoughts, 14(3), pp. d672-d680. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437
IEEE — numbered reference
R. S. Mohile, P. S. Mandal, J. A. Bordikar and A. M. Vadaliya, "Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India," IJCRT, vol. 14, no. 3, pp. d672-d680, Mar. 2026.
Vancouver — biomedical
Mohile RS, Mandal PS, Bordikar JA, Vadaliya AM. Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India. IJCRT. 2026 Mar;14(3):d672-d680.
AMA — 11th edition
Mohile RS, Mandal PS, Bordikar JA, Vadaliya AM. Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India. IJCRT. 2026;14(3):d672-d680. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2603437,
author = {Rahul S Mohile and Prachi S Mandal and Jitesh A Bordikar and Amit M Vadaliya},
title = {Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {3},
pages = {d672-d680},
year = {2026},
month = {March},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Mohile, Rahul S
AU - Mandal, Prachi S
AU - Bordikar, Jitesh A
AU - Vadaliya, Amit M
TI - Fin Tech and Artificial Intelligence in Micro finance: Transforming Financial Inclusion and Credit Accessibility in India
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 3
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437
SP - d672-d680
ER -
Issue
Volume 14 Issue 3,
March-2026
Pages : d672-d680
Article Information
- Pages
- d672-d680
- Published
- March 2026
- Registration ID
- IJCRT_303107
- Published Paper ID
- IJCRT2603437
- Research Area
- Social Science All
- Author Type
- Indian Author
- Location
- DAHANU, Maharashtra, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 162
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603437
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2603437.pdf
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