The Role of Fintech in Transforming Financial Services for Indian Start-Ups

Dr. Gaurav Kumar; N S V N Raju; V.Gowri Lakshmi; Suneetha vemuri; Jagdish Mohan Rao; Robert Edwin Chestor

doi:10.14419/5b2zxp23

Article Details

The Role of Fintech in Transforming Financial Services for Indian Start-Ups

Authors:

Dr. Gaurav Kumar | N S V N Raju | V.Gowri Lakshmi | Suneetha vemuri | Jagdish Mohan Rao | Robert Edwin Chestor

Publisher:

Science Publishing Corporation

Journal:

International Journal of Accounting and Economics Studies Vol.12 Issue 5, pp.608-616

Document Type:

Article

Publication Date:

9/2025

Document Language:

English

Document ID (Org No.):

2001386061

pISSN:

2309-4508

DOI:

10.14419/5b2zxp23

Keywords:

Abstract:

 This study examines the transformative impact of fintech on the financial services landscape for Indian start-ups, highlighting the role of digital innovation in redefining traditional financial models. By evaluating how fintech enhances financial inclusion and provides start-ups with accessible, efficient, and cost-effective solutions, the research sheds light on the unique challenges faced by start-ups, including high collateral requirements and stringent credit assessments. Utilizing a mixed-methods approach, the study combines quantitative analysis through a structured Likert scale questionnaire administered to start-up founders, employees, and financial professionals, with qualitative insights from a comprehensive literature review. The findings reveal significant benefits of fintech adoption, such as improved accessibility and reduced operational costs, particularly among younger, educated professionals in tech-centric industries. However, the study also highlights the trade-offs associated with fintech integration, including cybersecurity and regulatory risks. These insights underscore the need for targeted educational initiatives, robust regulatory frameworks, and enhanced trust-building measures to support the sustainable growth of fintech in the Indian start-up ecosystem.

Article Details

The Role of Fintech in Transforming Financial Services for Indian Start-Ups

Authors:

Dr. Gaurav Kumar | N S V N Raju | V.Gowri Lakshmi | Suneetha vemuri | Jagdish Mohan Rao | Robert Edwin Chestor

Publisher:

Science Publishing Corporation

Journal:

International Journal of Accounting and Economics Studies Vol.12 Issue 5, pp.608-616

Document Type:

Article

Publication Date:

9/2025

Document Language:

English

Document ID (Org No.):

2001386061

pISSN:

2309-4508

DOI:

10.14419/5b2zxp23

Fintech adoption

Indian start-ups

financial inclusion

Digital innovation

Issues

Article Details

The Role of Fintech in Transforming Financial Services for Indian Start-Ups

Authors: Dr. Gaurav Kumar | N S V N Raju | V.Gowri Lakshmi | Suneetha vemuri | Jagdish Mohan Rao | Robert Edwin Chestor

Publisher: Science Publishing Corporation

Journal: International Journal of Accounting and Economics Studies Vol.12 Issue 5, pp.608-616

Document Type: Article

Publication Date: 9/2025

Document Language: English

Document ID (Org No.): 2001386061

pISSN: 2309-4508

DOI: 10.14419/5b2zxp23

Fintech adoption

Indian start-ups

financial inclusion

Digital innovation

Issues

Authors:

Dr. Gaurav Kumar | N S V N Raju | V.Gowri Lakshmi | Suneetha vemuri | Jagdish Mohan Rao | Robert Edwin Chestor

Publisher:

Science Publishing Corporation

Journal:

International Journal of Accounting and Economics Studies Vol.12 Issue 5, pp.608-616

Document Type:

Article

Publication Date:

9/2025

Document Language:

English

Document ID (Org No.):

2001386061

pISSN:

2309-4508

DOI:

10.14419/5b2zxp23