A Study on Fintech Payments Adoption by Women Entrepreneurs

This study examines the role of fintech payment apps
in enhancing the financial operations of women entrepreneurs, the
benefits obtained, and also the challenges faced in adoption using a
qualitative secondary data approach. Insights from research articles,
organizational reports, and policy documents show that apps like
Google Pay, PhonePe, and Paytm enable instant transactions,
accurate record-keeping, and expense tracking, improving efficiency,
autonomy, and business credibility. However, barriers such as limited
digital literacy, poor internet access, socio-cultural constraints, and
security concerns limit effective adoption. The study suggests digital
literacy programs and user-friendly, secure app designs to maximize
benefits, empowering women entrepreneurs and strengthening
financial management and business growth.