• Dr K Lakshmana Rao
• Kum. N Nirmala Kumari
• Sri. Madem Kishore
• Dr Katadi Hari Kishan
• Dr K Anjaneyulu

Financial Technology (FinTech) has emerged as a transformative force in India's financial services sector, leveraging technologies like mobile payments, blockchain, and artificial intelligence (AI) to enhance accessibility, efficiency, and inclusion. This study investigates the impact of FinTech innovations on traditional banking, investment management, and financial inclusion in India, focusing on their role in bridging the urban-rural divide. Using a mixed-methods approach, including case studies, secondary data analysis, and consumer surveys, the research identifies key FinTech trends, such as Unified Payments Interface (UPI) and digital lending platforms. Findings reveal that FinTech has democratized financial access, with 80% of Indian adults using digital payments in 2024, but challenges like cybersecurity and regulatory compliance persist. The study concludes that strategic collaboration between FinTech firms, banks, and regulators is essential for sustainable growth, with recommendations for enhancing digital infrastructure and consumer trust.

FinTech, Transforming, Financial Services, Innovations, Investment.

"Financial Technology (FinTech) Innovations: Transforming the Financial Services Landscape in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 4, page no.k575-k580, April-2025, Available :http://www.jetir.org/papers/JETIR2504A75.pdf

"Financial Technology (FinTech) Innovations: Transforming the Financial Services Landscape in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 4, page no. ppk575-k580, April-2025, Available at : http://www.jetir.org/papers/JETIR2504A75.pdf