FinTech driven financial inclusion - the hype and the reality of missed targets Online publication date: Tue, 21-Mar-2023
by Anupam Mehrotra
International Journal of Public Sector Performance Management (IJPSPM), Vol. 11, No. 2, 2023
Abstract: Financial inclusion and inclusive growth are the clarion calls across the globe as nations become increasingly aware that growth is sustainable when it is inclusive. Close on the heels of this awakening comes the FinTech revolution which questions the role of traditional players in promoting the inclusion. While the traditional banking channel has been engaged in meeting the challenges of inclusive growth, there is an emergence of financial technology companies providing services and products similar and parallel to banking. Even as FinTech seems to redefine the service quality and product delivery through innovative use of technology in design and delivery of financial products and services, there is a need to moderate the hype and introduce a robust regulatory framework to ensure their service orientation over and above the pure commercial instinct. The instant paper examines the role of FinTech in filling the financial inclusion gaps and the need for its reorientation towards the excluded.
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