Name: Parneet Kaur
Country: India

Year: 2021
Volume: Volume-8, Issue-2 (July-December)
Page Number: 42-59

ABSTRACT
Considering the reach, cost and efficiency of financial technology, penetration and usage of it becomes crucial for successful financial inclusion in emerging nations. This study explores the penetration and adoption of technology especially mobile and internet according to age, gender, income, education and employment wise. Further, this study explores the purpose for doing digital financial transactions i.e. Receipts / Payments, receiving salary, receiving Government pensions, receiving agricultural receipts or business payments etc. for BRICS nations for the year 2017. Data is sourced from Findex database compiled by World Bank. This study found that higher education and higher income level are important constituents of digital inclusion. For usage of digital mode, people with tertiary education, people in richest strata of income and people in employment are making maximum use.

Keywords: Fintech, Financial inclusion, Emerging nations,BRICS