The present study explores the key determinants influencing fintech adoption among the elderly population in India an important yet often overlooked demographic within an emerging economy. Employing a cross-sectional survey design, data was collected from 424 elderly individuals aged 60 and above residing in Indian metropolitan cities through a structured questionnaire. Three additional contextual constructs-financial literacy, digital literacy, and perceived risk were added to the theoretical framework along with the key constructs adapted from the Unified Theory of Acceptance and Use of Technology (UTAUT) and Task-Technology Fit (TTF) frameworks to offer a more nuanced understanding of fintech adoption among the elderly. Structural Equation Modelling (SEM), was performed using SmartPLS 4.0, and the results highlight facilitating conditions, task-technology fit, digital literacy, and perceived risk as significant predictors of fintech adoption for this demographic. However, the influence of effort expectancy, performance expectancy, and social influence was found to be negligible. This underscores the necessity of tailored, assistive, and capacity-building interventions to create an all-inclusive adaptive environment. Moreover, concerted efforts from fintech enablers and policymakers are indispensable to ensure the effective inclusion of elderly populations in the progressing digital financial ecosystem.
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