Dr. Venkateswarlu Chandu¹, Dr. K. Pradeep Reddy², Anumolu Naga Bhargavi³, Tammana Venkata Naga Sai Lohith?, Dendukuri Sri Sai Chaitanya Raju?, and Jampani Harsha Vardhan? 02 08 This study examines how financial technology FinTech contributes to the growth of entrepreneurship in India It explores enabling factors such as digital payments online lending financial inclusion infrastructure and regulatory support and inhibiting factors digital literacy regulatory hurdles costs trust Using primary survey data from 300 new entrepreneurs across metro and nonmetro areas combined with secondary data and qualitative interviews the paper analyses the extent to which FinTech tools have reduced barriers to starting and scaling up businesses The findings suggest that FinTech significantly lowers entry barriers improves access to finance enhances operational efficiency and supports business growth yet obstacles like regulatory ambiguity cyber security risks and lack of awareness still limit full potential Policy implications and suggestions for ecosystem actors are discussed Copyright (c) Journal of Engineering Technology and Sciences. All rights reserved 2026