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How does FinTech promote rural revitalization?

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  • Tang, Yu
  • Jin, Hao

Abstract

Utilizing panel data spanning from 2012 to 2023 across 31 Chinese provinces (excluding Taiwan, Hong Kong, and Macao), this research applies a fixed-effects regression framework to scrutinize the impact and underlying mechanisms of financial technology (FinTech) and the penetration of artificial intelligence (AII) on rural revitalization (RR). The empirical results reveal that FinTech exerts a substantial positive effect on RR, while AII serves as a moderating factor in the nexus between FinTech and RR. Furthermore, FinTech contributes to RR by facilitating the rural digitalization process. Notably, the influence of FinTech on RR demonstrates significant regional disparities, contingent upon the varying levels of agricultural economic resilience across different regions.The research findings of this study hold significant theoretical and practical value: First, it verifies the moderating effect of AII in the relationship between FinTech and RR, expanding the theoretical boundaries of digital technology-driven rural development; Second, by identifying the mediating pathway of rural digitalization, this study provides policy implications for optimizing rural digital infrastructure deployment; Third, the results of heterogeneity analysis offer scientific references for formulating differentiated FinTech policies and achieving precision revitalization in regions with varying levels of agricultural economic resilience.

Suggested Citation

  • Tang, Yu & Jin, Hao, 2026. "How does FinTech promote rural revitalization?," Economic Analysis and Policy, Elsevier, vol. 92(C), pages 1226-1235.
    • Handle: RePEc:eee:ecanpo:v:92:y:2026:i:c:p:1226-1235
    DOI: 10.1016/j.eap.2026.07.012
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