The Indian fintech ecosystem is evolving rapidly due to the advancement of technology and government support. However, it also faces a high startup failure rate due to limited access to funding, regulatory hurdles, and a lack of structured guidance. Research shows that up to 90% of startups fail during their initial 5 years.1,2 The research by Manmeet Kaur, Wasim Ahmad, K S Hari, and Ruth Kattumuri provides a potential solution.3 It highlights how incubators and accelerators can serve as enablers in the fintech entrepreneurial ecosystem, significantly increasing the chances of startup survival and funding success. For CFOs and CEOs of early to mid-stage startups and venture capitalists alike, the findings underscore the strategic value of engaging with these ecosystem partners early in their journey. Additionally, the integration of human-AI collaboration further enhances decision-making, allowing startups to innovate more responsibly while managing risks effectively.