Fintech as a Key to the Future Financial Inclusion and Reduction of Financial Exclusion

Abstract

Goal – The aim of the article is to assess the impact of the fintech sector on financial inclusion and the reduction of financial exclusion, with particular emphasis on the access to financial services and its role in the socio-economic development. Research methodology – The article adopts an integrated methodological approach, combining scientometrics and desk research to analyse the evolution of knowledge about fintech and its impact on financial exclusion. The desk research involves reviewing literature, statistics, and reports to identify key trends and challenges. Descriptive, comparative analyses, and case studies illustrate how fintech increases access to financial services and supports inclusion. Score/results – Fintech holds significant potential for promoting financial inclusion and economic development by integrating underserved groups, emphasising the need for further research to reduce barriers to financial access. Originality/value – The article provides a significant contribution to the debate on the role of fintech in society, encouraging an analysis of its impact on the future development of financial services and the issue of financial exclusion.