Journal of Advances in Developmental Research

E-ISSN: 0976-4844   •   Impact Factor: 9.71

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 17 Issue 2 July-December 2026 Submit your research before last 3 days of December to publish your research paper in the issue of July-December.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 17 Issue 2
2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Financial Technology for Inclusive Growth: Fintech Management Strategies for Sustainable Rural Commerce in India

Author(s) Dr. Bandi Sudhakara Reddy
Country India
Abstract Financial technology (fintech) has emerged as a decisive instrument for extending formal financial services to India's rural population, historically constrained by physical distance, low collateral, and thin banking infrastructure. This paper examines how fintech management strategies—encompassing digital payments, agent banking, digital credit scoring, and agri-fintech platforms—can be organised to sustain inclusive rural commerce. Drawing on secondary data from the Reserve Bank of India, the National Payments Corporation of India, the Ministry of Finance, and industry sources such as the Internet and Mobile Association of India, the paper traces the trajectory of the Pradhan Mantri Jan Dhan Yojana, the Unified Payments Interface, and the Financial Inclusion Index to demonstrate measurable gains in access and usage. The analysis further identifies persistent management challenges, including digital literacy gaps, agent viability, cybersecurity risk, and uneven last-mile infrastructure, that constrain the translation of access into sustainable commercial usage. A management framework is proposed that integrates infrastructure investment, human-centred design, regulatory sandboxing, and public–private partnership as complementary levers for deepening fintech-enabled rural commerce. The paper concludes that inclusive growth through fintech is contingent not merely on technological penetration but on the quality of institutional design surrounding it, and it offers policy-relevant recommendations for regulators, financial institutions, and fintech firms operating in rural India.
Keywords fintech; financial inclusion; rural commerce; digital payments; UPI; sustainable development; inclusive growth; India
Published In Volume 17, Issue 2, July-December 2026
Published On 2026-08-12
DOI https://doi.org/10.71097/IJAIDR.v17.i2.2158
View / Download PDF File

Share this



Crossref

Crossref DOI prefix of IJAIDR is 10.71097/IJAIDR

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 17 Isu 2Cover Page Vol 17 Isu 1Cover Page Vol 16 Isu 2

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJAIDR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us Message on WhatsApp +91-9687-182-185 editor@ijaidr.com