Financial Technology (FinTech) has significantly transformed the financial services sector by providing innovative digital solutions that enhance accessibility, convenience, and efficiency in financial transactions. This study examines the role of FinTech in promoting financial inclusion among Generation Z in Ernakulam district, Kerala. Generation Z, being technologically proficient and highly engaged with digital platforms, represents a key segment in the adoption of FinTech services such as digital wallets, online banking applications, and investment platforms. The main objectives of the study are to assess the level of awareness of FinTech services among Generation Z, analyze their usage patterns, identify the challenges faced while using FinTech tools, and examine how FinTech contributes to financial literacy and financial stability. The study follows a descriptive research design and is based on both primary and secondary data. Primary data were collected through a structured questionnaire from 100 respondents belonging to Generation Z in Ernakulam district using a random sampling method, while secondary data were gathered from journals, books, and relevant online sources. The collected data were analyzed using descriptive statistical tools such as percentages and tables. The findings of the study reveal that most respondents are aware of FinTech services and frequently use digital wallets and online banking applications due to their convenience, ease of use, and lower transaction costs. However, certain challenges such as security concerns and digital literacy gaps still exist. The study concludes that FinTech plays a significant role in enhancing financial inclusion among Generation Z by improving access to financial services and encouraging the adoption of digital financial practices.
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