Authors : Sapna Gupta

Volume/Issue : Volume 11 - 2026, Issue 1 - January

Google Scholar : https://tinyurl.com/2t6wh367

Scribd : https://tinyurl.com/ynb98ky7

DOI : https://doi.org/10.38124/ijisrt/26jan1487

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : Financial technology (Fintech) has emerged as a major driver of inclusive economic development and innovation. A number of Sustainable Development Goals (SDGs), including SDG 1 (No Poverty), SDG 5 (Gender Equality), SDG 8 (Decent Work & Economic Growth), SDG 9 (Industry, Innovation & Infrastructure), SDG 10 (Reduced Inequalities), and SDG 13 (Climate Action), are examined in this study. Using secondary sources (regulatory reports, industry analyses, academic literature and public datasets) and illustrative quantitative series, the paper maps .Fintech mechanisms (payment rails, digital lending, micro-savings, insuretech, regtech, and green fintech) to SDG outcomes, assesses impact evidence, identifies major obstacles (consumer risk, digital exclusion, data governance, and measurement gaps), and offers policy suggestions to maximize benefits while reducing drawbacks. Findings indicate strong evidence that Fintech has accelerated financial inclusion and MSME access to credit in India; evidence for green/ climate outcomes is nascent; and measurable SDG gains require complementary public goods, standardized impact metrics and proportionate regulation.

Keywords : Financial Inclusion, Digital Payments, MSME Finance, Green Fintech, Policy.

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