DYNAMIC DETERMINANTS OF FINTECH, INSURTECH, AND FINANCIAL INCLUSION: PLS-SEM ANALYSIS
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Abstract
This study investigates the dynamic determinants of Fintech, Insurtech, and Financial Inclusion in Delhi-NCR using Partial Least Squares Structural Equation Modeling (PLS-SEM). A sample size of 320 respondents was collected through convenient sampling to test hypotheses concerning the relationships between Fintech Adoption, Insurtech Utilization, and Financial Inclusion. Results indicate that both Fintech Adoption and Insurtech Utilization significantly contribute to enhancing Financial Inclusion, with Insurtech Utilization also positively influencing Fintech Adoption. Policy implications suggest leveraging technological advancements in Fintech and Insurtech to promote inclusive financial systems tailored to the needs of Delhi-NCR populations, thereby fostering economic development and social equity in marginalized regions.