International Journal of Contemporary Research in Multidisciplinary

Purpose: Fintech lending is an emerging innovation in the Indian financial market. With increasing technology development and artificial intelligence, fintech companies have developed a new method to mitigate risk and identify creditworthy borrowers, disrupting the conventional approach. The primary goal of this research project is to understand better the demand factors that affect the fintech lending industry in India.

Methodology: In order to comprehend the factors, this investigation relies on secondary sources of information, including scholarly articles, reports, and newspaper articles.

Findings: The study finds the six factors that influence demand. It’s clear that some of them have a long-lasting impact, while others seem to have a temporary one.

Originality: This study fills an informational void by illuminating the need for fintech lending in India. The findings of this study will aid in the development of a case study-based methodology for future research. The study provides a broader context, as well. Also, determinants of lending in the fintech industry.

Paper type: The study is a desk research paper based on a conceptual framework.