Role Of FinTech In Promoting Sustainable Financial Inclusion: Evidence From Emerging Economies

Financial inclusion has emerged as a critical driver of inclusive and sustainable economic growth, particularly in emerging economies where a significant proportion of the population remains unbanked or underbanked. In recent years, Financial Technology (FinTech) has transformed the traditional financial ecosystem by leveraging digital platforms, mobile technologies, big data analytics, and artificial intelligence to deliver affordable, accessible, and efficient financial services. This research paper examines the role of FinTech in promoting sustainable financial inclusion with special reference to emerging economies. Using a mixed-method approach supported by secondary data and dummy primary survey data, the study analyzes the impact of FinTech services such as mobile banking, digital payments, peer-to-peer lending, and digital microfinance on access, usage, and quality of financial services. The findings suggest that FinTech significantly enhances financial inclusion by reducing transaction costs, improving outreach to marginalized populations, and supporting sustainable development goals (SDGs). The paper concludes with policy implications and recommendations for regulators, financial institutions, and FinTech firms to ensure inclusive, secure, and sustainable growth of the financial ecosystem.