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Bridging Informal Economies: FinTech Innovation and Street-Vendor Financial Inclusion in India
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Author(s): Ishika Saha (Malaviya National Institute of Technology, Jaipur, India), Shweta Sharma (Malaviya National Institute of Technology, Jaipur, India)and Shridev Devji (Malaviya National Institute of Technology, Jaipur, India)
Copyright: 2026
Pages: 44
Source title:
Risks, Innovations, and Corporate Social Responsibility in Finance and Accounting
Source Author(s)/Editor(s): Maizaitulaidawati Md Husin (Universiti Teknologi Malaysia, Malaysia), Muslim Amin (Azman Hashim International Business School, Universiti Teknologi Malaysia, Malaysia), Haliyana Khalid (Azman Hashim International Business School, Universiti Teknologi Malaysia, Malaysia), Nor Aiza Mohd Zamil (Universiti Teknologi Malaysia, Malaysia)and Mustafa Nourallah (Mid Sweden University, Sweden)
DOI: 10.4018/979-8-3373-5047-9.ch004
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Abstract
Financial inclusion is fundamental for equal opportunities, economic development and resilience for individuals and nations. Fintech innovation has significantly enhanced this critical objective in the current digital age. This chapter explores the concepts of fintech innovation and financial inclusion. We analyze their dynamic interplay to include the underserved populations in India, especially Street vendors who have historically faced exclusion from the formal financial ecosystem. Subsequently, it assesses the potential and progress of India's financial inclusion policies, digital public infrastructure and fintech solutions in addressing challenges like digital inclusion, infrastructure issues, and economic vulnerability. India's case highlights the potential of combining technology with policy to advance inclusive financial systems.
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