The rapid integration of digital technologies into financial services has transformed the global financial landscape, giving rise to Financial Technology (FinTech) as a dynamic and disruptive force. Among the younger population, particularly commerce students, awareness of FinTech is essential, as they represent the future workforce and potential innovators in the financial ecosystem. This study explores the level of FinTech awareness among commerce students in India, identifies challenges hindering adoption, and highlights opportunities for skill development and financial literacy enhancement in the digital era. A mixed-methods approach, combining literature review and hypothetical survey data, was adopted to examine students’ knowledge, perceptions, and readiness to engage with FinTech innovations. Findings indicate moderate awareness levels, with significant gaps in practical understanding of digital payment platforms, blockchain technology, and digital lending solutions. Key challenges include lack of curriculum integration, limited exposure to real-time FinTech applications, and skepticism regarding data security. Opportunities lie in integrating FinTech modules in commerce education, promoting hands-on experiential learning, and leveraging collaborative partnerships between academia and industry. The study concludes that enhancing FinTech awareness among commerce students can foster financial inclusion, innovation, and employability in India’s rapidly digitizing financial sector.