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Bridging Financial Gaps: The Role of Fintech in Enhancing Well‐Being for People With Disabilities

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  • Sunwoo T. Lee
  • Kyoung Tae Kim
  • Hee Yun Lee

Abstract

This study examines the relationship between disability status and financial satisfaction, a subjective measure of financial well‐being, with particular attention to the moderating role of financial technology (Fintech) among U.S. households. Using data from the 2021 National Financial Capability Study, we find that disability is negatively associated with financial satisfaction. However, the relationship between Fintech use and financial well‐being varies by tool type and disability status. Mobile payments and task management apps are positively associated with financial satisfaction, whereas mobile banking and transfers are negatively correlated. Fintech use moderates the disability–satisfaction gap, particularly among individuals with multiple disabilities. Within this group, frequent use of mobile payments, transfers, and task management tools is associated with higher financial satisfaction. Taken together, these findings suggest that the associations between Fintech use and financial well‐being are tool‐specific and contingent on disability status, highlighting the importance of accessibility focused design in addressing financial disparities.

Suggested Citation

  • Sunwoo T. Lee & Kyoung Tae Kim & Hee Yun Lee, 2026. "Bridging Financial Gaps: The Role of Fintech in Enhancing Well‐Being for People With Disabilities," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(3), September.
    • Handle: RePEc:bla:jconsa:v:60:y:2026:i:3:n:e70065
    DOI: 10.1111/joca.70065
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