Authors : Dr. K. Jeeva; Dr. C. Malarvizhi

Volume/Issue : Volume 11 - 2026, Issue 7 - July

Google Scholar : https://tinyurl.com/4sdau5kt

Scribd : https://tinyurl.com/z377wz33

DOI : https://doi.org/10.38124/ijisrt/26jul1275

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Abstract : Digital finance is reshaping financial inclusion in Tamil Nadu by broadening access and improving service quality for underserved populations. This study examines how UPI, AI-driven microcredit, mobile banking, and self-help groups translate digital infrastructure into economic empowerment across Chennai, Tiruchirappalli, and rural Digital India sites. Adopting a mixed-methods stratified design, it evaluates digital literacy, infrastructure, user trust, and socio-cultural barriers shaping FinTech adoption. Findings indicate account ownership has expanded, yet persistent gaps in digital literacy, vernacular interfaces, and gender-based agency constraints limit engagement. The study proposes targeted infrastructure strengthening and gender-disaggregated credit frameworks to translate digital access into lasting financial resilience.

Keywords : Digital Finance · Financial Inclusion · Tamil Nadu · Fintech Adoption · Digital Literacy · Self-Help Groups · Unified Payments Interface.

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