Comparative Usability of Fintech and Agritech Applications for Inclusive Digital Services

Abstract

Fintech and agritech applications increasingly mediate payments, credit, market access, advisory services, and farm decisions. Their usability cannot be inferred from adoption because users may persist despite errors, poor accessibility, high data costs, or weak alternatives. This comparative integrative review synthesizes 289 publications across human-computer interaction, digital finance, agricultural services, accessibility, trust, and technology adoption. The analysis examines task effectiveness, learnability, accessibility, trust and risk, low-bandwidth performance, and inclusive user research. The evidence indicates that successful experience design depends on the fit between interface demands, user capability, task consequence, device conditions, and recourse when errors occur. Fintech places particular weight on security, transparency, and transaction recovery, while agritech requires stronger accommodation of intermittent connectivity, contextual advice, and seasonal decisions. The paper contributes a comparative usability framework, evaluation indicators, and propositions for testing inclusive performance across user groups and operating conditions.