The study aimed to assess farmers’ perceptions towards digital solutions for agricultural credit, the effect of FinTech adoption on financial inclusion and challenges faced by farmers in adopting digital financial services in Guntur District of Andhra Pradesh. The key factors shaping perceptions included accessibility, trustworthiness, and convenience, with FinTech services generally preferred over traditional credit sources. Behavioural intention and facilitating conditions (FC) emerged as primary drivers of FinTech adoption, reinforcing farmers’ readiness to embrace digital finance when supported. While social influence and financial awareness contributed positively, barriers such as trust issues, low digital literacy, a preference for cash transactions, and limited awareness impeded wider adoption. Despite concerns, most farmers reported no financial losses and generally trusted digital platforms. Adoption of FinTech demonstrated a positive influence on financial inclusion, explaining 51.7% of the variance in access to financial services. Farmers also encountered challenges like a strong cash preference, technical difficulties, and resistance to change. The findings emphasize the necessity for enhanced digital literacy, better security measures, and more user-friendly platforms to boost FinTech adoption and build trust among smallholder farmers.
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