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Research Paper | Finance | Volume 15 Issue 3, March 2026 | Pages: 179 - 180 | India
Fintech as a Catalyst for Transforming Banking Practices and Analysis
Abstract: Financial Technology (Fintech) has evolved from a supplementary administrative tool to the primary catalyst driving global banking transformation. This mixed-methods study synthesizes comprehensive literature review (>100 sources) with primary empirical data from 61 retail investors (102% target achievement), revealing Fintech's profound behavioural impact: 45% surge in trading frequency, 61% portfolio diversification improvement, and emergence of sophisticated digital-native investors. However, a critical Trust Paradox persists- systemic regulatory confidence (mean=4.2/5) contrasts sharply with individual cyber-security anxieties (41% low confidence). India leads globally via UPI's 22,000 crore transactions (2025) dominance. Strategic recommendations emphasize bank-Fintech joint ventures, ₹500cr UX/security investments, and dual upskilling programs to resolve adoption barriers and sustain transformation momentum.
Keywords: Fintech 4.0, Retail Investors, Trust Paradox, UPI, Portfolio Diversification, AI Analytics, Digital Banking, Behavioural Finance
How to Cite?: Hiba Zehra, Dr. Himanshu Rastogi, "Fintech as a Catalyst for Transforming Banking Practices and Analysis", Volume 15 Issue 3, March 2026, International Journal of Science and Research (IJSR), Pages: 179-180, https://www.ijsr.net/getabstract.php?paperid=SR26303194556, DOI: https://dx.doi.org/10.21275/SR26303194556