Abstract

Financial Technology (FinTech) has emerged as one of the most disruptive forces in the Indian financial sector reshaping access to banking payments and credit services. By leveraging mobile technology artificial intelligence blockchain and data analytics FinTech firms have created new models for delivering financial services particularly to underbanked and unbanked populations. This paper explores the role of FinTech innovations in advancing financial inclusion in India. It examines how startups traditional banks and government initiatives collaborate to build a digital financial ecosystem. The study also analyzes challenges such as regulatory uncertainty cybersecurity risks and digital literacy gaps.