Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Articles Article Faculty Publications -Articles Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Perception vs. reality: Analysing the nexus between financial literacy and fintech adoption Subject The topic of the resource digital lending; financial literacy; fintech; mobile banking; mobile payments Description An account of the resource Fintech has revolutionized the financial services sector, fundamentally transforming how individuals and businesses manage their finances. However, effective and responsible utilization of these innovative services may require a certain degree of financial competence. To explore this possibility, this study investigates the nexus between financial literacy and fintech usage in the Indian context, considering two distinct measures of financial literacy. Primary data were collected conveniently from 391 respondents through a cross-sectional survey. Probit regression was applied to analyze the relationship between the two dimensions of financial literacy and the adoption of fintech services across three segments: mobile banking, mobile payments, and digital lending. The findings reveal a positive relationship between individuals subjectively perceived financial literacy and their propensity to use all three fintech services. Conversely, objectively measured financial literacy demonstrates a positive association only with the likelihood of using mobile banking. The study also identifies demographic characteristics as contributing factors to variations in fintech adoption. The studys findings hold value for policymakers and fintech service providers, as they underscore the importance of enhancing individuals subjective perceptions of their financial abilities to promote wider adoption of fintech services. Shamli Prabhakaran, Mynavathi L., 2023. Creator An entity primarily responsible for making the resource Prabhakaran S.; Mynavathi L. Source A related resource from which the described resource is derived Investment Management and Financial Innovations, Vol-20, No. 4, pp. 13-25. Publisher An entity responsible for making the resource available LLC CPC Business Perspectives Date A point or period of time associated with an event in the lifecycle of the resource 2023-01-01 Identifier An unambiguous reference to the resource within a given context <a href="https://doi.org/10.21511/imfi.20(4).2023.02" target="_blank" rel="noreferrer noopener">https://doi.org/10.21511/imfi.20(4).2023.02</a> <br /><br /><a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85174336453&amp;doi=10.21511%2Fimfi.20%284%29.2023.02&amp;partnerID=40&amp;md5=fd34fb6e74f008ad4e889e2065cd5754" target="_blank" rel="noreferrer noopener">https://www.scopus.com/inward/record.uri?eid=2-s2.0-85174336453&amp;doi=10.21511%2fimfi.20%284%29.2023.02&amp;partnerID=40&amp;md5=fd34fb6e74f008ad4e889e2065cd5754</a> Rights Information about rights held in and over the resource All Open Access; Gold Open Access Relation A related resource ISSN: 18104967 Format The file format, physical medium, or dimensions of the resource Online Language A language of the resource English Type The nature or genre of the resource Article Coverage The spatial or temporal topic of the resource, the spatial applicability of the resource, or the jurisdiction under which the resource is relevant Prabhakaran S., School of Commerce, Finance and Accountancy, CHRIST deemed to be University, India; Mynavathi L., School of Commerce, Finance and Accountancy, CHRIST deemed to be University, India