Dr. Lalit Khurana, Dr S Ramesh Chandra, Dr.N.Janardhana Rao, Dr Vijayakumar Thota and Dr Raghu Ram Kaipa, Dr S. Venkata Ramana 2025. Fintech And Financial Inclusion In India: A Data-Driven Analysis Of Digital Payments And Banking Access. Journal of Informatics Education and Research. 5, 3 (Oct. 2025). DOI:https://doi.org/10.52783/jier.v5i3.3774.