DOI: https://doie.org/10.10399/NER.2025323179
Ms. Monica S , Dr Mounica V
Keywords:FinTech adoption, MSMEs, Financial Inclusion, TAM, VAM, Financial Literacy, Digital Infrastructure, Regulatory Support, and Networking and Digital Transformation
The economic growth of MSMEs depends heavily on financial inclusion, yet they face ongoing problems securing financial access. The promising capabilities of FinTech solutions to improve MSME access to finance face limited adoption across the industry. The researchers explore the elements that affect FinTech adoption behavior among MSMEs in Bengaluru Urban through an integrative approach relying on TAM and VAM models. The research analyzes financial literacy and digital infrastructure, and regulatory support as moderating elements that influence the process. The study aims to provide insights into the factors that influence FinTech adoption and financial inclusion among MSMEs in Bengaluru Urban and to develop a model that can be used to predict and promote FinTech adoption among this segment. The fast digital changes in Bengaluru Urban and its enterprising business landscape, along with MSMEs' diverse monetary capabilities, require specific research within this regional context. A structured questionnaire serves as the data collection method to gather responses from MSME owners and managers who operate within different business sectors of Bengaluru Urban. The study produces results that deliver an understanding of significant factors and hurdles affecting FinTech adoption to help policymakers, FinTech providers, and MSME stakeholders advance their financial inclusion approaches. The research encourages financial access for MSMEs in urban India through sustainable growth and digital transformation to bridge gaps in financial access.