<?xml version="1.0" encoding="UTF-8"?>
<article article-type="Research Article">
  <front>
    <journal-meta>
      <journal-id journal-id-type="publisher">journal-of-information-and-optimization-sciences</journal-id>
      <journal-title-group>
        <journal-title>Journal of Information and Optimization Sciences</journal-title>
      </journal-title-group>
      <issn publication-format="electronic">2169-0103</issn>
      <issn publication-format="print">0252-2667</issn>
      <publisher>
        <publisher-name>Taru Publications</publisher-name>
      </publisher>
    </journal-meta>
    <article-meta>
      <article-id pub-id-type="doi">10.47974/JIOS-2070</article-id>
      <title-group>
        <article-title>FinTech for a sustainable future : Bridging financial inclusion and economic progress</article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author" corresp="yes">
          <name>
            <surname>Balaji</surname>
            <given-names>K.</given-names>
          </name>
          <aff>Department of Business and Management, School of Business and Management, Christ University, Bengaluru, Karnataka, 560029, India</aff>
        </contrib>
        <contrib contrib-type="author">
          <name>
            <surname>Murthy</surname>
            <given-names>D. Sudarsana</given-names>
          </name>
          <aff>Department of Management, School of Management and Commerce, Barasat, Brainware University, Kolkata, West Bengal, 700125, India</aff>
        </contrib>
        <contrib contrib-type="author">
          <name>
            <surname>Gardasu</surname>
            <given-names>Sathyanarayana</given-names>
          </name>
          <aff>School of Commerce &amp; Economics, Presidency University, Bengaluru, Karnataka, India</aff>
        </contrib>
        <contrib contrib-type="author">
          <name>
            <surname>Rao</surname>
            <given-names>P. Seshagiri</given-names>
          </name>
          <aff>Department of Business Management, P. Kothakota, Vemu Institute of Technology, Chittoor, Andhra Pradesh, 517001, India</aff>
        </contrib>
      </contrib-group>
      <volume>46</volume>
      <issue>8</issue>
      <fpage>2511</fpage>
      <lpage>2520</lpage>
      <pub-date date-type="pub">
        <day>28</day>
        <month>11</month>
        <year>2025</year>
      </pub-date>
      <abstract>
        <p>The rapid evolution of Financial Technology (FinTech) has significantly transformed financial services, fostering financial inclusion and driving economic growth. This study examines the impact of FinTech adoption on financial accessibility and economic progress, with a particular focus on its alignment with Sustainable Development Goals (SDG 8: Decent Work and Economic Growth &amp; SDG 10: Reduced Inequalities). The sample comprises 300 users of digital financial services were asked to complete a structured questionnaire to collect primary data. In order to guarantee diverse voting rights, a stratified random selection technique had been utilized. Multiple regression analysis was used to observe the connections across macroeconomic indicators like rising incomes, expanding businesses, and financial wellness and important FinTech variables like digital payments, credit accessibility, mobile banking adoption, and financial literacy. According to the research, implementing FinTech is essential for improving financial mobility, encouraging entrepreneurial activity, and reducing income disparities. Legislators, financial institutions, and digital entrepreneurs can benefit from the findings of the investigation, which provide key insights into utilizing FinTech for sustainable economic development.</p>
      </abstract>
      <kwd-group>
        <kwd>FinTech adoption</kwd>
        <kwd>Financial inclusion</kwd>
        <kwd>Economic growth</kwd>
        <kwd>Digital payments</kwd>
        <kwd>Sustainable development goals (SDGs)</kwd>
      </kwd-group>
      <custom-meta-group>
        <custom-meta>
          <meta-name>access</meta-name>
          <meta-value>open</meta-value>
        </custom-meta>
        <custom-meta>
          <meta-name>retracted</meta-name>
          <meta-value>no</meta-value>
        </custom-meta>
      </custom-meta-group>
    </article-meta>
  </front>
</article>
