<p>Despite India’s rapid digital–finance growth, rural tourism entrepreneurs in Odisha remain underserved owing to cybersecurity vulnerabilities and limited fault–tolerant FinTech infrastructure. This study develops a dependable AI–driven FinTech–adoption framework that integrates behavioural insights with cyber–physical security mechanisms to analyse transaction resilience, cybersecurity, and fault–tolerance in low–resource rural environments. Using machine–learning, sentiment–analysis and fault–detection models, we identify key adoption determinants—digital literacy, trust, system reliability and secure–payment protocols. A mixed–methods approach (survey: <InlineEquation ID="IEq1"> <InlineMediaObject> <ImageObject Color="BlackWhite" FileRef="42979_2025_3995_Article_IEq1.gif" Format="GIF" Height="14" Rendition="HTML" Resolution="72" Type="Linedraw" Width="57" /> </InlineMediaObject> <EquationSource Format="TEX">$n=300$</EquationSource> <EquationSource Format="MATHML"><math> <mrow> <mi>n</mi> <mo>=</mo> <mn>300</mn> </mrow> </math></EquationSource> </InlineEquation>; interviews: <InlineEquation ID="IEq2"> <InlineMediaObject> <ImageObject Color="BlackWhite" FileRef="42979_2025_3995_Article_IEq2.gif" Format="GIF" Height="14" Rendition="HTML" Resolution="72" Type="Linedraw" Width="50" /> </InlineMediaObject> <EquationSource Format="TEX">$n=50$</EquationSource> <EquationSource Format="MATHML"><math> <mrow> <mi>n</mi> <mo>=</mo> <mn>50</mn> </mrow> </math></EquationSource> </InlineEquation>) validates these insights, while Generative Adversarial Networks (GANs) compensate for data scarcity, ensuring robust AI predictions. A dedicated cybersecurity stack—including blockchain-based authentication, offline transaction integrity, and anomaly detection—is integrated into the framework to ensure trustworthy FinTech access. Findings inform policy interventions, including localised digital–literacy programmes, AI–powered financial–inclusion strategies, and blockchain–backed secure transactions within a dependable cyber–physical system (CPS) framework. The proposed framework not only enhances security and fault–tolerance in digital transactions but also establishes a foundation for scalable, AI–driven financial–inclusion strategies in resource–constrained environments.</p>

Dependable and Secure AI-Driven FinTech Adoption for Rural Tourism & Entrepreneurship in Odisha: A Cyber-Physical Systems Perspective

期刊论文
发表日期：

2025年5月3日

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Swachha Sisir Das,
Sasmita Mishra,
Zefree Lazarus Mayaluri,
Ganapati Panda

摘要

Despite India’s rapid digital–finance growth, rural tourism entrepreneurs in Odisha remain underserved owing to cybersecurity vulnerabilities and limited fault–tolerant FinTech infrastructure. This study develops a dependable AI–driven FinTech–adoption framework that integrates behavioural insights with cyber–physical security mechanisms to analyse transaction resilience, cybersecurity, and fault–tolerance in low–resource rural environments. Using machine–learning, sentiment–analysis and fault–detection models, we identify key adoption determinants—digital literacy, trust, system reliability and secure–payment protocols. A mixed–methods approach (survey: $n=300$ $n = 300$ ; interviews: $n=50$ $n = 50$ ) validates these insights, while Generative Adversarial Networks (GANs) compensate for data scarcity, ensuring robust AI predictions. A dedicated cybersecurity stack—including blockchain-based authentication, offline transaction integrity, and anomaly detection—is integrated into the framework to ensure trustworthy FinTech access. Findings inform policy interventions, including localised digital–literacy programmes, AI–powered financial–inclusion strategies, and blockchain–backed secure transactions within a dependable cyber–physical system (CPS) framework. The proposed framework not only enhances security and fault–tolerance in digital transactions but also establishes a foundation for scalable, AI–driven financial–inclusion strategies in resource–constrained environments.