Abstract
This study addresses the gap in understanding how digital financial technologies (FinTech) influence sustainable development in regional markets, characterized by urban-rural disparities challenges. Employing a mixed-methods approach from 2020 to 2023, primary data from 55 stakeholders (including FinTech startups, regulators, and SMEs) and secondary sources (government reports and financial transactions) across five regions were analyzed using thematic coding and regression models. Results reveal stark contrasts: urban centers achieve 82% mobile banking penetration and 12% higher SME growth, while rural regions lag at 29% due to infrastructural deficits. In economically challenged areas, FinTech enabled 39% of SMEs to sustain their operations, yet regulatory compliance diverged sharply, with urban areas at 89% and rural areas at 31%. The study advocates for prioritizing rural 4G infrastructure, localized regulatory sandboxes, and public-private partnerships to foster inclusive solutions, rejecting one-size-fits-all models that can exacerbate inequalities.