This paper discusses the levels of fintech adoption and its effects on financial inclusion in rural and semi-urban regions based on primary data gathered through 600 participants in two spatial groups. Analysis demonstrates that the core fintech services awareness is not even and semi urban areas report higher awareness levels (68-86%) than rural regions (42-61%). The level of fintech adoption is observed to be much higher in semi-urban than rural areas with the mean adoption score of 3.49 and 2.98, respectively, one can state that the digital divide is still present. The results of the regression indicate that availability of digital infrastructure, financial literacy, and perceived ease of use and trust are all jointly predictors of more than 50 percent of the variance in fintech adoption. Subsequent analysis has shown that the adoption of fintech explains almost 50 percent of the observed difference in the financial inclusion outcomes, and the larger influences are found on access to financial services rather than on the affordability of financial services. The independent sample tests allow establishing statistically significant differences in both fintech adoption and financial inclusion among rural and semi-urban respondents. The results indicate that although fintech has improved financial inclusion, the benefits are unevenly distributed, and it is necessary to implement specific policy responses to improve infrastructure development and digital financial illiteracy in rural settings