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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66736
Volume:
10 |
8 |
Aug 2026
Pages:
1-5
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Department of MBA and Research Centre
Surana college (Autonomous)
Assistant Professor, Department of MBA & Research Centre,
Surana College (Autonomous), Bengaluru, Karnataka, India
Financial Technology has changed the way people do banking and other financial things. It has made things faster, safer and easier to use with things like banking, internet banking and digital wallets. This has really helped people get access to financial services. In India the government has been pushing for people to use payments, which has helped more people use Financial Technology.We do not know much about how sericulture farmers and silk traders are using Financial Technology. This is especially true in Ramanagara, which's a big place for sericulture in Karnataka. Most studies have looked at how regular people, small businesses and people in areas use Financial Technology. They have not looked much at the sericulture sector.There are also problems like people not knowing how to use things not having internet and being worried about safety. These problems have not been fully addressed for sericulture farmers and silk traders. This study wants to look at how Financial Technology's helping sericulture farmers and silk traders get better access to financial services.We will ask sericulture farmers and silk traders questions. Use the answers to see how Financial Technology is affecting them. We will use math tools to look at the data and see how Financial Technology is helping with financial things. We want to know how happy people are with Financial Technology and if it is helping them manage their money better.This study should give us ideas about how much Financial Technology is being used and what is helping or hurting its adoption. It should also give us ideas on how to make digital financial services better and more accessible. The results will be helpful to people who make policies, banks, Financial Technology companies and people who care about sericulture.The study will look at Financial Technology. How it is helping sericulture farmers and silk traders. It will look at the things and the bad things about Financial Technology. This will help us understand Financial Technology and how it can be improved for sericulture farmers and silk traders. Financial Technology is a part of our lives now and it will be even bigger in the future. So we need to make sure that sericulture farmers and silk traders can use it easily and safely.Financial Technology is very important for sericulture farmers and silk traders. It can help them do their things more easily and quickly.. We need to make sure that they have the skills and knowledge to use Financial Technology. We also need to make sure that they have access to the internet and that they feel safe using Financial Technology. If we can do this then Financial Technology can really help sericulture farmers and silk traders. It can help them get access to financial services and manage their money better. Financial Technology can be a powerful tool, for sericulture farmers and silk traders.
KEYWORDS
The present study examined the role and impact of FinTech adoption on financial inclusion among 282 sericulture farmers and silk traders in Ramanagara. The findings indicate that FinTech services have an important role in improving access to and convenience of financial services. The correlation analysis found a positive relationship between the convenience of digital payment applications and the ease of understanding and operating FinTech applications (r = 0.410, p < .05), indicating that ease of use is an important factor in FinTech adoption. The regression analysis further showed that preference for FinTech payments (β = 0.291, p < .001) and trust in FinTech services (β = 0.328, p < .001) significantly influence financial inclusion, with the model explaining 31% of the variation (R² = 0.310). The ANOVA results also showed a statistically significant difference in satisfaction with FinTech services based on respondents' years of experience (F = 455.80, p < .001). These findings suggest that FinTech is not merely a convenient payment option but an important tool for improving financial accessibility and supporting financial transactions among sericulture farmers and silk traders. However, challenges such as lack of digital knowledge, poor internet connectivity, security concerns, lack of trust, and technical problems may limit effective adoption. Strengthening digital financial literacy, improving digital infrastructure, increasing awareness, and building trust in digital financial services can therefore support wider and more effective FinTech adoption. Overall, the study contributes to the understanding of FinTech adoption and financial inclusion in the sericulture sector, particularly among farmers and silk traders in Ramanagara. The findings provide useful insights for financial institutions, FinTech service providers, government agencies, and other stakeholders to develop more accessible, secure, and user-friendly digital financial services that can strengthen financial inclusion in the sericulture community.
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Publication Date
8/13/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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