FinTech has dramatically increased financial inclusion, reduced expenses, and streamlined financial operations. These developments have made financial services more accessible and efficient, benefiting both providers and consumers. The major goal of this study was to identify the variables driving the surge in fintech adoption among Bangladeshi SMEs. This study includes four variables: perceived organizational readiness, financial literacy, government assistance, and ambition to use fintech. Primary data were collected from the SMEs situated in three different locations in Bangladesh. A total of 74 SMEs participated in the survey of data collection which were later analysed by SPSS 30 and Smart PLS 4.0.9.8. The outcome reveals that perceived organizational readiness and financial literacy play a major role in creating intention to adopt fintech. Government support was not found significant on creating SME’s intention to adopt fintech. The majority of the respondents think that adoption intention would increase if SMEs are well prepared and literate although their expectations from the government of Bangladesh are very low. In this instance, the government could increase their support which would accelerate the intention to adopt fintech. The outcome of this study would be helpful for the government of Bangladesh and SMEs to enhance their financial performance through the adoption of fintech.