Mirco Small and Medium Enterprises (MSMEs) are at the core of any economy. The financial inclusion MSMEs is essential for any country that dreams of growth. Fintech-based innovative solutions can come to the aid. Not only do they help MSMEs in acquiring a quick loan through digital and peer-to-peer lending, but they also help them in bookkeeping, wealth management, and risk mitigation. However, even with so many helpful solutions, the adoption of Fintech has been lagging. This study tries to find out what are the apprehensions or barriers among the MSME owner towards Fintech adoption. And how cultural innovation manipulated this relationship. The major contribution of our study will be the identification of the most persistent barriers. The study has high practical value for, Fintech firms, government regulators and policymakers, and MSME owners.