مجلة البحوث الاقتصادية والمالية
Volume 13, Numéro 1, Pages 545-570
2026-06-05

The Role Of Financial Technology In Promoting Financial Inclusion To Achieve Sustainable Economic Growth



Authors : Timedjeghdine Ghada . Djarmouni Asma . Khaldi Adel .

Abstract

This study investigates the transformative role of Financial Technology (FinTech) in promoting financial inclusion as a key driver of sustainable economic growth. Adopting a descriptive-analytical approach, it reviews the evolution of FinTech from 1.0 to 3.0. The study analyses FinTech’s capacity to overcome traditional barriers to financial access, particularly for underserved populations. It emphasizes digital financial inclusion as a vital mechanism for poverty reduction and enhanced economic resilience, as demonstrated during the COVID-19 pandemic. The paper also addresses challenges of this digital transition, including regulatory gaps and cybersecurity risks.

Keywords

Financial inclusion ; financial technology ; digital financial inclusion ; sustainable economic growth.

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