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Fintech and urban-rural integrated development: a human capital perspective

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  • Wang, Shengbin
  • Song, Jiayi

Abstract

A key driver of digital transformation, financial technology (fintech) is reshaping urban–rural development globally. Using panel data from 31 Chinese provinces from 2011 to 2022, this study empirically examines the impact of fintech on urban–rural integrated development. Results show that fintech significantly promotes integration, even after controlling for various factors. Human capital plays a key mediating role, indicating indirect effects through education and talent channels. Threshold analysis reveals that the positive impact is greater in regions with higher economic development or moderate competition for educational resources. The findings enrich the empirical literature and provide policy insights for coordinated development.

Suggested Citation

  • Wang, Shengbin & Song, Jiayi, 2026. "Fintech and urban-rural integrated development: a human capital perspective," Finance Research Letters, Elsevier, vol. 92(C).
    • Handle: RePEc:eee:finlet:v:92:y:2026:i:c:s1544612326000656
    DOI: 10.1016/j.frl.2026.109534
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