The Impact of Fintech on Financial Inclusion in India: An Empirical Analysis of Digital Payment Adoption and Banking Access. International Journal of Environmental Sciences, [S. l.], v. 11, n. 12s, p. 218–227, 2025. DOI: 10.64252/g845vb32. Disponível em: https://theaspd.com/index.php/ijes/article/view/1606.. Acesso em: 13 jan. 2026.