• Tanush M Reddy
• Raghu yadaganti

Abstract The rise of financial technology (fintech) has revolutionized the financial services industry, significantly altering how individuals manage their finances. This study investigates the impact of contactless card usage on financial literacy and behavior among individuals in India. Using a descriptive and analytical research design, the study analyzes data from 132 respondents to explore the relationship between contactless card adoption and various financial outcomes. The findings indicate that contactless card usage enhances financial literacy and promotes responsible financial behavior. Users perceive contactless cards positively, primarily for their convenience and security. Additionally, the study reveals significant relationships between the duration and frequency of contactless card usage, perceived convenience, and user satisfaction. These insights provide valuable guidance for policymakers, financial institutions, and educators in developing strategies that leverage fintech solutions to improve financial literacy and behavior. The study emphasizes the importance of fintech in modern financial practices and suggests practical recommendations for enhancing financial literacy and promoting responsible financial behavior through the adoption of fintech solutions. Financial technology, fintech, contactless cards, financial literacy, financial behavior, India, survey analysis, user satisfaction, security, convenience.

Financial technology, fintech, contactless cards, financial literacy, financial behavior, India, survey analysis, user satisfaction, security, convenience.

"The Impact of Contactless Card Usage on Financial Literacy and Behavior: A Study of Fintech Adoption", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 5, page no.g806-g848, May-2024, Available :http://www.jetir.org/papers/JETIRTHE2118.pdf

"The Impact of Contactless Card Usage on Financial Literacy and Behavior: A Study of Fintech Adoption", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 5, page no. ppg806-g848, May-2024, Available at : http://www.jetir.org/papers/JETIRTHE2118.pdf