This study attempts to examine the impact of ‘FinTech’ (Financial Technology) in expediting the growth of Micro, Small, and Medium Enterprises (MSMEs) in Uttarakhand. Digitalization of Financial systems will bring about not only better financial management, but also will empower financial decision-making, a higher economy, and the upliftment of the society. This study has been done by using an IPMA analysis through ‘PLS-SEM’ to test the impact of ‘Exogenous Construct’ i.e. (Digital Credit, Digital Payment, and Digital Financial Management) on ‘Endogenous Construct’ in the growth of MSMEs in Uttarakhand, not focused upon in the previous studies. The Data were collected from 120 MSMEs and the sample size has also been tested on G*Power. ‘The Reflective Measurement Model’ of ‘PLS-SEM’ has been constructed through ‘SMART PLZ 3.3.3’ and ‘Bootstrapping’ has been performed to test Hypotheses. This research shows a significant role of factors of FinTech (Digital Credit, Digital Payment, and Digital Financial Management) in the overall growth of (MSMEs). The results of IPMA Analysis also show that MSMEs must focus more on ‘Digital Financial Management. The collection of data from a Hill State like Uttarakhand is a major constraint. However, the ‘Rate of Financial Technology Adoption’ in small businesses is at its nascent stages, leaving a colossal scope for further study.

Financial Technology, Micro Small & Medium Enterprises, MSMEs Growth, PLS-SEM, IPMA Analysis