Exploring the potential of financial technology (FinTech) to promote financial inclusion is the aim of this research. This study concentrated on understanding why people use FinTech and how it affects their access to financial services by taking into account the mediating role of digital financial literacy and the moderating effect of perceived regulatory support. This study used partial least squares structural equation modeling (PLS-SEM) for testing the research model by collecting data from 608 FinTech users in India. The results revealed the role of trust, service quality, and perceived security are essential in promoting the utilization of FinTech services. This study also demonstrated that FinTech positively impacts financial inclusion, making it easier for individuals to get into formal financial services. Furthermore, digital financial literacy emerged as an important mediator between FinTech use and financial inclusion. The research also confirmed that perceived regulatory support has a significant moderation influence on the relationship between FinTech and financial inclusion. This research would contribute to advancing theoretical frameworks and offer practical advice for policymakers and FinTech companies to make financial services more inclusive.

中文翻译：

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金融科技与金融普惠：探索数字金融素养的中介作用以及感知监管支持的调节影响

本研究的目的是探索金融科技（FinTech）促进金融普惠的潜力。这项研究的重点是通过考虑数字金融素养的中介作用和感知监管支持的调节作用，了解人们使用金融科技的原因以及它如何影响他们获得金融服务。本研究使用偏最小二乘结构方程模型 (PLS-SEM) 通过收集印度 608 名金融科技用户的数据来测试研究模型。结果表明，信任、服务质量和感知安全对于促进金融科技服务的利用至关重要。这项研究还表明，金融科技对金融包容性产生积极影响，使个人更容易获得正规金融服务。此外，数字金融素养成为金融科技使用和金融普惠之间的重要中介。研究还证实，感知到的监管支持对金融科技与普惠金融之间的关系具有显着的调节影响。这项研究将有助于推进理论框架，并为政策制定者和金融科技公司提供实用建议，使金融服务更具包容性。