Bridging India’s Credit Gap: Fintech’s Inclusive Mission through Bank Partnerships
Author(s): 1. Aditi Kapoor 2. Dr. Shailendra Kumar Pokhriyal 3. Dr. Vinay Kandpal
Authors Affiliations:
1 Aditi Kapoor, Â Â 2 Dr. Shailendra Kumar Pokhriyal, Â Â 3 Dr. Vinay Kandpal,
1Research Scholar, School of Management & Commerce Studies (SoMCS), Sparsh Himalaya University, Dehradun, India
2Dean, School of Management & Commerce Studies (SoMCS), Sparsh Himalaya University, Dehradun, India
3Professor, School of Management, Graphic Era (Deemed to be University), Dehradun, India
DOIs:10.2015/IJIRMF/202505050 | Paper ID: IJIRMF202505050
The present study adopted a structured questionnaire addressed to the founders of fintech companies. A rigorous multivariate regression analysis was conducted to evaluate the impact of key predictors on fintech profitability based on the responses collected. Findings indicated that while an initial rural presence may negatively affect profit margins, strategic cost reduction and financial inclusion initiatives contributed to long-term profitability of fintech companies. It was further observed that fintechs can leverage economies of scale to deepen their rural penetration, thereby offsetting early losses through volume-driven growth. The present study emphasized the collaboration between banks and fintech firms as a transformative force for enhancing financial inclusion and bridging India’s credit gap by expanding access to financial services in remote areas. The findings highlight that such partnerships are strategically positioned to drive both sustainable financial inclusion and the profitability of fintech enterprises.
Aditi Kapoor, Dr. Shailendra Kumar Pokhriyal, Dr. Vinay Kandpal (2025); Bridging India’s Credit Gap: Fintech’s Inclusive Mission through Bank Partnerships, International Journal for Innovative Research in Multidisciplinary Field, ISSN(O): 2455-0620, Vol-11, Issue-5, Pp.316-323.     Available on –  https://www.ijirmf.com/
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