Evaluating Fintech Readiness in Indian States: A Data-Driven Approach Using Computational Economics and Big Data Analytics

This study employs computational economics and big data analytics to assess the fintech readiness of Indian states by analyzing the interplay between financial literacy, internet penetration, and digital transactions. By leveraging secondary data from government sources, the study highlights regional disparities in fintech adoption and explores the role of digital infrastructure in financial inclusion. The research integrates data visualization techniques and statistical modeling to identify key determinants influencing fintech growth. Findings indicate that while internet penetration provides a strong foundation for digital financial services, financial literacy remains a crucial factor in ensuring inclusive fintech adoption. This study underscores the need for data-driven policymaking to bridge the digital divide and optimize fintech implementation across India.