...Aina Rafat; Smriti Srivastava; Divya Gangwar Purpose Financial inclusion remains a persistent issue in developing nations, where access to formal financial services is often limited. The propagation of Fintech services offers a transformative pathway to bridge these gaps and empower underserved...

...). Design/methodology/approach The model is tested using 454 online valid responses received from Indian Fintech users via direct path analysis, mediation and moderation. Findings The study’s findings show that trust, perceived usefulness and perceived risk all significantly impact users’ attitudes...