Wirba, Ebenezer LemvenGowaseb, Julius Ottis2025-09-162025-09-162025http://hdl.handle.net/11070/4115A thesis submitted in partial fulfilment of the requirements for the Degree of Master of Science in Development FinanceDespite advancements in Financial Technology (fintech), there is a notable reluctance among individuals, including those in Namibia, to adopt internet banking services. The main objective of this study is to investigate the effect of fintech on financial behaviour in Namibia, specifically the study aims to (1) examine gender disparities in the adoption of mobile money services (fintech) in Namibia overall and by gender and (2) evaluate the effect of fintech adoption on saving and borrowing behaviours overall and by gender. To achieve these objectives, the study employs the 2021 Global Findex Data for Namibia, the probit model to analyse the determinants of fintech adoption and a control function approach to assess the effect of fintech adoption on saving and borrowing behaviours. The findings indicate no significant gender disparities in fintech adoption in Namibia. Furthermore, results reveal that fintech adoption has a significant positive effect on both borrowing and saving behaviours. Findings equally indicate that effect of fintech is stronger on saving compared to borrowing. These results highlight fintech's potential to enhance financial inclusion and improve financial behaviour in Namibia. Policymakers may consider initiatives to promote fintech adoption and utilisation, particularly among underserved populationsenFintech adoptionGenderSavingsBorrowingNamibiaUniversity of NamibiaThesis