Authors : Pavirala Kondal

Volume/Issue : Volume 11 - 2026, Issue 8 - August

Google Scholar : https://tinyurl.com/mr4xk3jm

DOI : https://doi.org/10.38124/ijisrt/26aug1089

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : Artificial intelligence (AI) and financial technology (FinTech) are revolutionizing the delivery of financial services and opening up new avenues for increasing financial inclusion in rural India. The use of AI-enabled technology into digital banking services has the potential to lower transaction costs, increase access to financial products, improve credit evaluation, and deliver personalized financial services to disadvantaged communities. This study uses secondary data to investigate the function of AI-enabled FinTech in boosting digital financial inclusion and banking adoption in rural India. The study analyzed data obtained from authoritative sources such as the Reserve Bank of India (RBI), National Payments Corporation of India (NPCI), Department of Financial Services, Pradhan Mantri Jan-Dhan Yojana (PMJDY), World Bank Global Findex Database, and other official reports. The study runs from 2018 to 2025 and looks at trends in bank account ownership, rural banking infrastructure, digital payments, UPI transactions, mobile and internet banking, and other measures of financial inclusion. Descriptive statistics, growth-rate analysis, CAGR, correlation, and regression techniques are provided for investigating the relationship between digital banking and financial inclusion. The survey also identifies important hurdles such as digital illiteracy, insufficient internet connectivity, cybersecurity issues, privacy dangers, and little awareness of AIenabled financial services. The findings are likely to highlight the growing role of FinTech and digital banking in increasing access to formal financial services in rural India. The study has important implications for regulators, banks, FinTech businesses, and other stakeholders involved in establishing secure, inexpensive, and inclusive AI-enabled financial services for rural populations.

Keywords : Artificial Intelligence, FinTech, Financial Inclusion, Digital Banking, Rural India, Digital Payments, UPI, Financial Technology.

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