DIGITAL FINANCE INTEGRATION AND RURAL ENTERPRISE DEVELOPMENT IN INDIA: A FINTECH PERSPECTIVE

Authors

  • Anith Patil Student, MBA, Guru Nanak Dev Engineering College, Bidar, Karnatak, India
  • Arvind Student, MBA, Guru Nanak Dev Engineering College, Bidar, Karnatak, India
  • Safiya Fatima Student, MBA, Guru Nanak Dev Engineering College, Bidar, Karnatak, India
  • Abhishek Associate Professor, MBA, Guru Nanak Dev Engineering College, Bidar, Karnatak, India

Keywords:

Digital Finance, FinTech, Rural Enterprises, Financial Inclusion, India

Abstract

Digital finance has emerged as a revolutionary force in the transformation of rural Economies through the promotion of financial inclusion, the enhancement of access to credit, and the development of entrepreneurial efforts. The study was undertaken to examine the role of FinTech integration for the growth of rural companies in India. This study examines the adoption of digital financial tools by rural entrepreneurs, such as mobile banking, digital payments, and micro-financing platforms. The study applies a mixed-method approach to the collecting and analysis of data. However, FinTech integration results in substantial enhancements in organizational efficiency, access to funding, and market connection; however, challenges including digital literacy, infrastructure constraints, and trust issues still remain. The report concludes that to leverage FinTech for sustainable rural development, adequate governmental assistance, skills training and technical accessibility are needed.

References

I. Arner, D. W., Barberis, J., and Buckley, R. P. (2020). Banks and regulators are affected by the impact of fintech and regulatory technology. 1–14 in the 21(2) issue of the Journal of Banking Regulation.

II. According to Birchall (2013). Financial cooperatives have the capacity to be resilient in times of economic depression. There is an International Labor Organization.

III. Demirguc-Kunt, L. Klapper, D. Singer, and S. Ansar published their findings in 2018. 2017, the year of the Global Findex Database. The World Bank.

IV. The Indian Reserve Bank (RBI). By the year 2023. a report on the current state of banking in India and its progress.

V. Government of India at large. By the year 2023. The report on the Digital India Programme.

Additional Files

Published

01-06-2026

How to Cite

Anith Patil, Arvind, Safiya Fatima, & Abhishek. (2026). DIGITAL FINANCE INTEGRATION AND RURAL ENTERPRISE DEVELOPMENT IN INDIA: A FINTECH PERSPECTIVE. International Educational Journal of Science and Engineering, 9(05), 538–540. Retrieved from https://iejse.com/journals/index.php/iejse/article/view/381

Issue

Vol. 9 No. 05 (2026): SPECIAL ISSUE MAY - NATIONAL CONFERENCE ON EMERGING TRENDS IN ENGINEERING, TECHNOLOGY AND MANAGEMENT

Section

Articles

License

Copyright (c) 2026 International Educational Journal of Science and Engineering

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