Steering the digital shift: the role of fintech in transforming banking in emerging markets

Arthur William Fodouop Kouam ()
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Arthur William Fodouop Kouam: Sanya University

SN Business & Economics, 2025, vol. 5, issue 10, 1-21

Abstract: Abstract This research examines the drivers of fintech adoption and its impact on financial inclusion in emerging markets—specifically, India, Kenya, Brazil, and Indonesia—between 2015 and 2023. The research employs a quantitative approach, utilizing panel data regression analysis with secondary data sourced from various sources, including the Findex Database (World Bank), the Global Fintech Report (2023), and several national regulatory reports. The study’s empirical model includes Ordinary Least Squares (OLS) with robust standard errors and fixed effects to control for unobserved heterogeneity across countries. The results indicate a significant positive relationship: a unit increase in fintech adoption is associated with a 12.4% point increase in financial inclusion (p

Keywords: Digital transformation; Financial inclusion; Fintech adoption; Regulatory frameworks; Sociocultural factors; Technological innovations (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1007/s43546-025-00912-w

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