Unraveling the nexus: intellectual capital, Fintech innovation, competitive agility, and financial inclusion

Purpose This study empirically explores the impact of human capital, structural capital, relational capital and absorptive capacity on Fintech innovation. This study aims to investigate the potential impact of Fintech innovation on competitive agility and financial inclusion. Design/methodology/approach Data was collected from 283 participants in Jordan. Smart PLS software was used to test the hypotheses. Findings The findings reveal that human capital, structural capital, relational capital and absorptive capacity plays a significant role in Fintech innovation. Also, the outcome of path analysis confirms a significant impact of Fintech innovation on competitive agility and financial inclusion. Originality/value This study emphasizes the practical value of intellectual capital in fostering Fintech innovation for managers, banks, financial institutions and policymakers. Prioritizing investment in human, structural and social capital enhances organizational innovation.