A Study of Fintech Adoption: Past Trends, Present Insights, and Future Horizons

This study examines the evolving research trends in FinTech adoption through a bibliometric analysis of Scopus-indexed publications from 2000 to 2024. It aims to identify key thematic areas, research gaps, and potential directions for future studies in the domain.

A total of 428 research publications were extracted from Scopus database based on predened inclusion criteria, focusing on the business, management, and accounting domains. Bibliometric analysis was conducted using VOSviewer and Biblioshiny to assess citation structures, keyword trends, influential authors, and journal contributions.

The bibliometric analysis highlights a growing research interest in FinTech adoption, with a significant surge in publications since 2019, peaking in 2024. The study identifies Technological Forecasting and Social Change, Journal of Risk and Financial Management, and International Journal of Electronic Finance as the most influential sources in the domain. Country-wise, India, the United States, and Malaysia lead in research contributions. Co-citation analysis reveals key research clusters, including technology adoption models (TAM, UTAUT), financial inclusion, risk and trust in FinTech, and blockchain innovations. The study also identifies underexplored areas, such as sustainability in FinTech, social responsibility, and leadership’s role in adoption.

This study provides a structured foundation for future FinTech adoption research by identifying key themes and gaps. It offers valuable insights for researchers, policymakers, and industry stakeholders, guiding informed decision-making and fostering innovation in the sector. The findings highlight the need for interdisciplinary approaches and global collaborations to drive sustained advancements.