UDBODHA Enlightenment of facts : ISBN - 978-93-94893-02-3

Purpose: Pandemic has changed and accelerated the tach adoption in Financial services and increased innovation in day to day financial transactions with the help of AI, ML, Data Science, Blockchain, Web 3.0 and 5G technologies startup are provided with the opportunities for re-skilling and sustainable business practices of the business organisations of Micro Small and Medium entrepreneurship and the communities with United Payments Interface(UPI),Fastag,BNPL and Bharat Interface for money(BHIM), StartupIndia, Digital India gives the scope for Decent work and Economic growth to achieve Sustainable Development Goals(SDGs). India is ranked 62 out of 74 in the emerging countries as per the Inclusive Development Index(IDI) compiled by World Economic Forum(WEF). Financial Technology or FinTech startups use software, Application Programming Interfaces(APIs), QRcode,Distributed ledger Technology,IOT and algorithms to provide financial services in collaboration with the banking industry to transform the Products, People, players and Policy Makers. FinTech can provide Direct or Formal Finance to Small and Medium Enterprises in the form of Jan Dhan-Aadhar-Mobile (JAM), B2B payment and Peer-to-peer (P2P) they can reduce the dependence on indirect finance with technology outlook, Industry 4.0 has fostered the growth of financial Inclusion. Design/methodology/approach: The Descriptive study and secondary data are collected from RBI, IFBE, and government websites to analyze the result and create FinTech 4P Model with ABCD Listing Framework. Findings and results:Due to digital India and Startup schemes and RBI  has to provide 100% regulation to created scope for FinTech in Financial services sector like NeoBanks and helping the MSMEs/SMEs in lending but Public Sector banks have to collaborate more with fintech and create more FinTech ecosystem for SMEs/MSMEs financial inclusion and it drive for more Sustainable Economic growth.
Social implications: The research paper has given more insight on FinTech and accelerate the digital transformation and digital economy to achieve 5 Trillion e economy.
Originality/value: FinTech has a great potential to transform financial services by providing advanced financial products and solving the financial needs of SMEs.