Dr.A.Michael John and C.Indhu 2026. HARNESSING FINTECH FOR SUSTAINABLE DEVELOPMENT GOALS : DIGITAL CONSUMER CENTRIC ASSESSMENT. Journal of the Oriental Institute, ISSN:0030-5324 UGC CARE Group 1. 74, 4 (Jan. 2026), 122–140. DOI:https://doi.org/10.8224/journaloi.v74i4.1016.