Financial Inclusion through Fin-tech Adoption of Women: A Way to Sustainable Development

Israt Jahan Shithii, Most. Sadia Akter
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Abstract

The presence of technologically advanced financial institutions like banks and MFS have used technology to convenience the process of financial transactions which is called financial technology (fin-tech). However, there are many people like women, illiterate or poor who don’t use fin-tech due to social barriers or lack of knowledge and ability. When those people started to be involved, financial transactions were a matter of financial inclusion that led to economic growth. With the advancement of technology in finance, financial inclusion increases because one can do financial transactions, saving and paying from anywhere and anytime which leads to economic growth and growing the opportunity for innovation technology. The objective of this study is to find how digital financial inclusion can be executed to achieve sustainable development through the fin-tech adoption of women. This paper identifies the factors influencing the adoption of fin-tech services, finds the relationship between fin-tech adoption and financial inclusion, and finally how sustainable development goals are achieved by adopting fin-tech for women. To prove how financial inclusion can be possible through the fin-tech adoption of women, the UTAUT model along with some new constructs are identified to validate the new model. Smart PLS 4.0 software is used for conducting statistical analysis to validate the model.
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通过妇女采用金融科技实现金融普惠:可持续发展之路
银行和 MFS 等技术先进的金融机构利用技术为金融交易提供便利,这就是所谓的金融科技(fin-tech)。然而,有许多人,如妇女、文盲或穷人,由于社会障碍或缺乏知识和能力而没有使用金融科技。当这些人开始参与金融交易时,金融交易就成了一个普惠金融问题,从而带动了经济增长。随着金融科技的进步,金融包容性也在增强,因为人们可以随时随地进行金融交易、储蓄和支付,从而促进经济增长,增加创新技术的机会。本研究的目的是了解如何通过妇女采用金融科技来实现数字普惠金融的可持续发展。本文确定了影响采用金融科技服务的因素,发现了采用金融科技与金融普惠之间的关系,最后还探讨了如何通过为妇女采用金融科技来实现可持续发展目标。为了证明如何通过女性采用金融科技实现金融包容性,本文确定了UTAUT 模型和一些新的构造,以验证新模型。使用 Smart PLS 4.0 软件进行统计分析,以验证模型。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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