Micro, Small and Medium Enterprises (MSMEs) play a vital role in India’s economic growth but continue to face significant challenges in accessing formal financial services. The emergence of Financial Technology (FinTech) has transformed the financial ecosystem by enhancing financial inclusion through digital payments, alternative lending and technology-driven financial solutions. This study examines the impact of FinTech-driven financial inclusion on the sustainable livelihoods of MSMEs in India. Using a quantitative research design, primary data were collected from 140 MSME owners and managers across India through a structured questionnaire. Descriptive and inferential statistical tools, including correlation and regression analysis, were employed to analyze the data. The findings reveal that FinTech adoption significantly improves access to finance, cash-flow management, income stability and business continuity among MSMEs. The study highlights that FinTech-enabled financial inclusion contributes meaningfully to sustainable economic development by strengthening MSME resilience and long-term viability. The paper offers policy and managerial implications for promoting an inclusive digital financial ecosystem supporting MSME sustainability.
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