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A Systematic literature review on financial innovation adoption and financial inclusion: an analysis

Himani Singh & Pashmeen Kaur

Global Knowledge, Memory and Communication2026https://doi.org/10.1108/gkmc-08-2024-0507article
ABDC B
Weight
0.50

Abstract

Purpose The study aims to offer a comprehensive overview of factors influencing financial innovation adoption and its role in promoting financial inclusion. It addresses three key questions: What do we know? How have we acquired this knowledge? Where should future research focus? By answering these, the study bridges gaps and resolves conflicting perspectives, providing a conceptual framework and highlighting future research areas. Design/methodology/approach A systematic literature review is conducted using the TCCM framework on 75 selected articles from 215 initially identified in the Scopus database. VOSviewer software pinpoints the most cited journals, articles and keywords to track trends. Findings The study presents a conceptual framework, highlighting the antecedents, outcomes and moderators of financial innovation adoption. It calls for more research on emerging innovations like CBDCs, AI and crowdfunding. Social implications The study offers insights for researchers, policymakers and strategists, suggesting the use of quantitative methods for more reliable results. Originality/value This paper connects financial innovation adoption with financial inclusion, mapping current research, and identifying key journals, countries and methodologies using VOSviewer.

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https://doi.org/https://doi.org/10.1108/gkmc-08-2024-0507

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@article{himani2026,
  title        = {{A Systematic literature review on financial innovation adoption and financial inclusion: an analysis}},
  author       = {Himani Singh & Pashmeen Kaur},
  journal      = {Global Knowledge, Memory and Communication},
  year         = {2026},
  doi          = {https://doi.org/https://doi.org/10.1108/gkmc-08-2024-0507},
}

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A Systematic literature review on financial innovation adoption and financial inclusion: an analysis

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Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.