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This study integrates the Customer Value Theory (CVT), Self-determination Theory (SDT), and the Theory of Planned Behaviour (TPB) to explore how psychological ownership of Fintech innovations affects financial inclusion through socio-economic engagement. Data were gathered from 630 mobile money (MoMo) users in Ghana through a survey and 23 interviews. The findings show that continued use of MoMo promotes psychological ownership and positively influences social, economic, and financial engagement. However, these benefits are undermined by the perceived government policy (electronic levy), which negatively affects socio-economic engagement. The findings call for Fintech stakeholders to enhance users\u2019 psychological ownership and encourage the government to adopt pro-poor policies to improve financial inclusion. This study uniquely combines the CVT, SDT, and TPB to investigate the role of psychological ownership in Fintech diffusion and its socio-economic impact.<\/jats:p>","DOI":"10.1007\/s12525-026-00911-1","type":"journal-article","created":{"date-parts":[[2026,6,6]],"date-time":"2026-06-06T09:15:17Z","timestamp":1780737317000},"update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":0,"title":["Forging financial inclusion through psychological ownership of Fintech innovations: Evidence from an emerging economy"],"prefix":"10.1007","volume":"36","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-5337-9507","authenticated-orcid":false,"given":"Hayford","family":"Amegbe","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-3486-7150","authenticated-orcid":false,"given":"Michael D.","family":"Dzandu","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-1506-7369","authenticated-orcid":false,"given":"Charles","family":"Hanu","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"297","published-online":{"date-parts":[[2026,6,6]]},"reference":[{"key":"911_CR1","doi-asserted-by":"publisher","unstructured":"Ajzen, I. 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