Fintech Adoption and Financial Inclusion: The Mediating Role of Digital Financial Knowledge

This study investigates the relationship between FinTech use, digital financial knowledge, and ‎financial inclusion among digitally active individuals. A descriptive research design with a ‎quantitative approach was employed, utilizing an online structured questionnaire that yielded ‎‎623 responses. After rigorous screening for completeness and consistency, 478 valid responses ‎were retained for analysis. Constructs were measured using a five-point Likert scale to assess ‎engagement with digital financial platforms, awareness of digital financial tools, and access to ‎financial services. Findings indicate that FinTech use significantly enhances both digital ‎financial knowledge and financial inclusion, while digital financial knowledge serves as a ‎partial mediator between FinTech use and financial inclusion. The study underscores the ‎importance of strengthening digital literacy to maximize the economic and social benefits of ‎FinTech adoption. These insights offer valuable implications for policymakers, financial ‎institutions, and regulators seeking to leverage technology for broader financial inclusion.