FinTech Adoption Among Working Women in Trivandrum: A Sustainable Development Perspective Using Diffusion of Innovation Theory

DOI

10.2991/978-94-6239-772-9_33How to use a DOI?

Keywords

FinTech adoption; Sustainable development; Diffusion of Innovation Theory; Financial inclusion; Technology adoption; Behavioral Intention

Abstract

This research is an attempt to study the transformative effect of FinTech on the lives of working women in Trivandrum, India, from the perspective of sustainable development using the Diffusion of Innovation Theory. This study investigates the impact of innovation characteristics, i.e., Relative Advantage, Compatibility, Complexity, Trialability, and Observability, on women’s intention and actual use of FinTech applications. Further, examine if the fintech adoption enhances the financial inclusion among the women and its contributions to sustainable development outcomes. The present study adopted a quantitative method by using a structured survey and Partial Least Squares Structural Equation Modelling to test the conceptual framework and evaluate the proposed model. The findings suggest that the innovative characteristics influence FinTech adoption, leading to its actual usage. This actual usage has a positive and substantial impact on financial empowerment, independence, and long-term planning capacity among the working women. The findings of this study shall help policymakers and fintech providers to come up with more straightforward, streamlined, and engaging tools. By offering such inclusive and targeted financial tools, the stakeholders can improve women’s economic participation to accelerate the progress towards sustainable development goals.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - A. Anju Raj
AU  - S. Ranjith Kumar
PY  - 2026
DA  - 2026/09/07
TI  - FinTech Adoption Among Working Women in Trivandrum: A Sustainable Development Perspective Using Diffusion of Innovation Theory
BT  - Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
PB  - Atlantis Press
SP  - 452
EP  - 464
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-772-9_33
DO  - 10.2991/978-94-6239-772-9_33
ID  - Raj2026
ER  -