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This paper aims to explore the impact of FinTech adoption on small business sustainability and to understand how financial well-being acts as a mediator in this relationship. which is essential in fostering business sustainability in today’s dynamic business landscape.

A survey was conducted with an initial sample of 500 respondents, and subsequently, a final analysis was performed using a sample size of 321 respondents. Data was collected through a self-administered survey, and the hypothesized model was assessed using the Smart PLS analysis technique.

The findings revealed significant positive associations between Fintech adoption and small business sustainability, and financial well-being acts as a significant mediator in establishing this relationship. Financial well-being has a positive and significant impact on sustainability, with substantial and positive correlations with their respective elements.

Small businesses will realize the significance of financial well-being in their operations. This realization can motivate them to invest in digital tools such as payment systems and accounting software to streamline their operations and increase their resilience.

The results of this research can serve as a foundational framework for enhancing business sustainability in the Fintech sector, thereby facilitating the financial industry’s efforts to achieve economies of scale globally. Future research can investigate specific aspects, industries or regions deeper to provide a more comprehensive understanding of the study.