This study explores how financial technology (fintech) innovations impacted financial inclusion for women in India from 2018 to 2024. It focuses on fintech mechanisms addressing barriers to women's financial access, regulatory frameworks enabling their implementation, and the effectiveness of different models in improving economic empowerment across regions and social groups. Using a mixed-methods design, the study surveyed 2,430 women in 18 states, conducted 85 stakeholder interviews, and analyzed transaction data from 12 fintech platforms over 24 months. Data collection included questionnaires, interviews, and API-based monitoring, analyzed with SPSS and MAXQDA under STROBE guidelines. Mobile fintech increased women’s account ownership by 143%. Rural uptake rose 1.8 times faster with digital literacy. Vernacular platforms saw 67% more engagement. Women reported 32% savings growth, 156% better credit access, and 78% higher insurance use. Algorithmic credit scores outperformed traditional models by 41%. Simplified KYC and strong data safeguards raised participation by 52%. Allocating 18–22% of budgets to gender-sensitive design and education is vital. Public–private partnerships are recommended for inclusive growth. This is the first detailed study on gendered fintech impact in India, merging technology adoption theory with feminist insights to create new inclusion metrics.