<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2594-0163</journal-id>
<journal-title><![CDATA[Mercados y negocios]]></journal-title>
<abbrev-journal-title><![CDATA[Merc. negocios]]></abbrev-journal-title>
<issn>2594-0163</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Guadalajara, Centro Universitario de Ciencias Económico Administrativas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2594-01632025000300001</article-id>
<article-id pub-id-type="doi">10.32870/myn.vi56.7827</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Generational Perspectives on Fintech Adoption: Challenges, Demographics, and Digital Inclusion]]></article-title>
<article-title xml:lang="es"><![CDATA[Perspectivas generacionales sobre la adopción de tecnología financiera: desafíos, demografía e inclusión digital]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Singh]]></surname>
<given-names><![CDATA[Avtar]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Lovely Professional University  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>India</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<volume>26</volume>
<numero>56</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2594-01632025000300001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2594-01632025000300001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2594-01632025000300001&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT This research aims to examine how different generations in India adopt fintech services, considering the main barriers and demographic factors that influence these patterns. Based on a survey of 278 banking customers in Punjab and Jammu and Kashmir, it is evident that Generation Z and millennials have embraced fintech services more than Generation X, with key obstacles including a lack of technical skills, concerns about cybersecurity, and strict regulations. The findings suggest that implementing measures tailored to each generation will be essential in promoting digital financial services and bridging the gap between those who can access these services and those who cannot. Although fintech companies are increasingly recognised in the payments industry, the primary challenges to the rapid growth of the fintech ecosystem in India include "lack of technical know-how," "low security (fraud messages, calls, etc.)," regulatory and compliance laws, "documentation and formalities," and "emotional attachment to cash." Governments, financial institutions, regulators, and Indian fintech firms must collaborate to address these structural issues from the ground up, expand their reach, enhance consumer satisfaction, and make digital channels more accessible.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Esta investigación busca analizar cómo las distintas generaciones en India adoptan los servicios fintech, considerando las principales barreras y aspectos demográficos que definen estas tendencias. Con una muestra de 278 clientes bancarios en Punjab y Jammu y Cachemira, se evidencia que la Generación Z y los millennials han adoptado los servicios fintech en gran medida en comparación con la Generación X. Entre las barreras más importantes se encuentran la falta de habilidades técnicas, la preocupación por la ciberseguridad y las estrictas regulaciones. Los hallazgos demuestran que la implementación de medidas adaptadas a cada generación será fundamental para promover los servicios financieros digitales y reducir la brecha entre quienes pueden utilizarlos y quienes no. Si bien las empresas fintech son cada vez más reconocidas en el sector de pagos, los principales obstáculos para el rápido desarrollo del ecosistema fintech en India son la falta de conocimientos técnicos, la baja seguridad (mensajes y llamadas fraudulentas, etc.), las leyes regulatorias y de cumplimiento, la documentación y los trámites, y el apego emocional al efectivo. Los gobiernos, las instituciones financieras, los reguladores y las empresas Fintech indias deben trabajar juntos para abordar estos problemas estructurales desde la base, ampliar su alcance, mejorar la satisfacción del consumidor y hacer que los canales digitales sean más aceptables.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT This research aims to examine how different generations in India adopt fintech services, considering the main barriers and demographic factors that influence these patterns. Based on a survey of 278 banking customers in Punjab and Jammu and Kashmir, it is evident that Generation Z and millennials have embraced fintech services more than Generation X, with key obstacles including a lack of technical skills, concerns about cybersecurity, and strict regulations. The findings suggest that implementing measures tailored to each generation will be essential in promoting digital financial services and bridging the gap between those who can access these services and those who cannot. Although fintech companies are increasingly recognised in the payments industry, the primary challenges to the rapid growth of the fintech ecosystem in India include "lack of technical know-how," "low security (fraud messages, calls, etc.)," regulatory and compliance laws, "documentation and formalities," and "emotional attachment to cash." Governments, financial institutions, regulators, and Indian fintech firms must collaborate to address these structural issues from the ground up, expand their reach, enhance consumer satisfaction, and make digital channels more accessible.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Challenges]]></kwd>
<kwd lng="en"><![CDATA[Fintech]]></kwd>
<kwd lng="en"><![CDATA[Generations]]></kwd>
<kwd lng="en"><![CDATA[Millennials]]></kwd>
<kwd lng="en"><![CDATA[Sustainability and Technology]]></kwd>
<kwd lng="en"><![CDATA[G53]]></kwd>
<kwd lng="en"><![CDATA[O33]]></kwd>
<kwd lng="es"><![CDATA[Desafíos]]></kwd>
<kwd lng="es"><![CDATA[Fintech]]></kwd>
<kwd lng="es"><![CDATA[Generaciones]]></kwd>
<kwd lng="es"><![CDATA[Millennials]]></kwd>
<kwd lng="es"><![CDATA[Sostenibilidad y Tecnología]]></kwd>
<kwd lng="es"><![CDATA[G53]]></kwd>
<kwd lng="es"><![CDATA[O33]]></kwd>
</kwd-group>
</article-meta>
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