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VOL. 12, ISSUE 1 (2026)
The fintech generation: Assessing the diverse effects of financial technology on Gen Z
Authors
Dr. Priyanka Dixit
Abstract
Gen Z is the largest growing population
worldwide—with an estimated spending power of $140B—positioning this
demographic as one of the most sought-after customer segments in fintech.
Unlike previous generations, who learned about money through trial and
error, Gen Z is learning through their screens. Financial literacy has,
rightfully, become a major focus, and fintech apps are making it easier than
ever for young people to understand budgeting, saving, and investing. With
features that break down spending habits, set savings goals, and encourage
investment in small, manageable amounts, fintech is helping Gen Z take control
of their financial future. The rapid evolution of financial technology
(fintech) has transformed the way individuals’ access, manage, and perceive
financial services. This study explores the multifaceted impact of fintech on
Generation Z, a demographic that has grown up immersed in digital ecosystems.
The research examines how fintech innovations—such as digital wallets, mobile
banking, peer-to-peer payment platforms, and investment apps—have influenced
financial behavior, literacy, and inclusion among Gen Z consumers. Drawing on
survey data and secondary research, the study analyzes patterns of adoption,
trust in digital financial services, and the implications for long-term
financial well-being. Findings suggest that while fintech offers unprecedented
convenience and access, it also presents challenges related to data security,
overspending, and financial decision-making. The paper concludes by
highlighting the need for targeted financial education and regulatory
frameworks to ensure that the fintech revolution benefits young consumers
equitably and sustainably.
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Pages:78-82
How to cite this article:
Dr. Priyanka Dixit "The fintech generation: Assessing the diverse effects of financial technology on Gen Z". International Journal of Commerce and Management Research, Vol 12, Issue 1, 2026, Pages 78-82
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