| ABSTRACT |
The rapid integration of technology into financial services has transformed the way individuals and businesses access, use, and perceive financial products. Financial Technology (FinTech) has emerged as a key driver of innovation, offering digital payments, alternative lending, crowdfunding, investment platforms, and personalized financial services. This paper presents a qualitative and descriptive study of FinTech and digital financial services by synthesizing existing literature and interpreting user perceptions through descriptive graphical analysis. Relying entirely on secondary sources for the review of literature and descriptive insights from primary survey-based graphs, the study explores the evolution of FinTech, major service segments, perceived usefulness of digital platforms, and demographic patterns of adoption. The findings highlight the dominance of young adults in FinTech usage, the growing importance of mobile and platform-based financial services, and the role of FinTech in enhancing financial inclusion. The paper contributes by offering a consolidated qualitative understanding of FinTech developments and user perceptions without employing inferential statistical tools. |
| AUTHOR |
A Sai Nikhil, Vinnakota Kanaka Durga
Department of MBA, CMR Technical Campus, Kandlakoya, Hyderabad, Telangana, India
Assistant Professor, Department of MBA, CMR Technical Campus, Kandlakoya, Hyderabad, Telangana, India |
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