Fintech innovations, including UPI, digital wallets, neo-banks, and AI-driven microcredit, are pivotal in extending financial services to excluded populations like migrant workers, who from sixty to seventy percentage of Tamil Nadu's MSME workforce across Chennai, Madurai, Salem, Tirupur, and Coimbatore districts. Despite ninety percentage mobile penetration, adoption remains low due to digital literacy gaps, trust deficits, and gender disparities. This detailed conceptual paper integrates the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Financial Capability Theory to propose a multi-layered framework, offering testable propositions, policy insights, and a research agenda tailored to intrastate migrants earning ten thousand to twenty thousand monthly.

Angelcybi, Dr.P.Chellasamy,"A Comprehensive Conceptual Framework for Fintech-Enabled Financial Inclusion: Pathways, Barriers, and Implications for Migrant Workers in India's MSME Sector" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(4): Page(93-95) March - April 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.