Modeling AI-driven fintech adoption and microenterprise performance in India : An information systems perspective
*Heema PatadiyaCorresponding authorheemapatadiya@gmail.comDepartment of Business ManagementFaculty of Management StudiesSmt. S. B. Patel Institute of Business Management, Sankalchand Patel UniversityVisnagar, Gujarat, 384315, India0009-0007-4215-4824View full profile → , Ronak R. Modironakmaniyarpatan@gmail.comDepartment of Business ManagementFaculty of Management StudiesSmt. S. B. Patel Institute of Business Management, Sankalchand Patel UniversityVisnagar, Gujarat, 384315, India0000-0002-3598-8034View full profile →
* Corresponding author · click or hover a name for details
- Received:
- 01 Jun 2026
- Published Online:
- 30 Sep 2026
- Article type:
- Research Article
- Language:
- EN
- Article no.:
- JIOS-2444
- Pages:
- 3473–3481
Abstract
AI is transforming FinTech by improving financial access and operational efficiency for micro-entrepreneurs. AI-enabled FinTech shows potential, but evidence on informal micro-business performance remains limited. This study examines how AI-enabled FinTech adoption affects micro-entrepreneurial performance in India. A quantitative study used primary data from 450 informal micro-entrepreneurs in India. Data were collected via a structured questionnaire and analysed using PLS-SEM, with technology readiness and financial literacy as moderators. AI-enabled FinTech significantly improves microentrepreneurial performance, strengthened by technology readiness and financial literacy. The findings emphasize inclusive digital finance, financial literacy, and affordable AI-powered FinTech solutions.
The study provides evidence linking AI-powered FinTech adoption, moderating factors, and micro-entrepreneurial performance in India.
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References
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