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Unleashing the Potential of the Indian Fintech for Financial Inclusion: A Qualitative Analysis

Author

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  • Anandita Ghosh
  • Lalitagauri Kulkarni

Abstract

The fintech revolution has many ramifications for the financial market microstructure, regulatory framework and entire society. Policymakers across the world have begun to pin their hopes on digital initiatives and the fintech for financial inclusion. They believe that the fintech can lead to better access to finance. This study provides a thematic analysis of the qualitative data leading to four major themes in the newly evolving Indian fintech landscape. The themes that emerged from the in-depth interviews with the key informants, are evolution, potential, market strategy and regulatory. The findings suggest that fostering training and awareness amongst the customers is imperative to build up their trust. Regulatory interventions should also be based on proper engagement and learning with other stakeholders of the ecosystem.

Suggested Citation

  • Anandita Ghosh & Lalitagauri Kulkarni, 2025. "Unleashing the Potential of the Indian Fintech for Financial Inclusion: A Qualitative Analysis," Journal of Entrepreneurship and Innovation in Emerging Economies, Entrepreneurship Development Institute of India, vol. 11(1), pages 68-87, January.
    • Handle: RePEc:sae:jouent:v:11:y:2025:i:1:p:68-87
    DOI: 10.1177/23939575241274892
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