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Exploring the impact of fintech on financial inclusion: Literature review
[Explorer l'impact de la fintech sur l'inclusion financière : Revue de littérature]

Author

Listed:
  • Khalid Lahrour

    (UH2C - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar))

  • Latifa Horr

    (UH2C - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar))

Abstract

Financial inclusion refers to providing financial products and services to households and small businesses that were previously excluded, as a means of promoting more inclusive growth. This includes access to savings, investment, consumption smoothing, and insurance. Fintech is the use of software, applications, and digital platforms to provide financial services to consumers and businesses through digital devices like smartphones. It has gained recognition as a promising way to promote financial inclusion. This paper examines the impact of financial technology (fintech) on financial inclusion through a literature review following the Preferred Reporting Items for Systematic Reviews and Meta-Analysis (PRISMA) to identify the ways in which fintech contributes to and can potentially contribute to increased financial inclusion. The paper provides a brief history of fintech, reviews the literature on fintech and financial inclusion, and discusses how fintech can increase access to financial services, promote financial literacy and consumer protection, and support the growth of micro and small enterprises. The paper concludes with empirical evidence on the impact of fintech on financial inclusion.

Suggested Citation

  • Khalid Lahrour & Latifa Horr, 2025. "Exploring the impact of fintech on financial inclusion: Literature review [Explorer l'impact de la fintech sur l'inclusion financière : Revue de littérature]," Post-Print hal-05137071, HAL.
    • Handle: RePEc:hal:journl:hal-05137071
    Note: View the original document on HAL open archive server: https://hal.science/hal-05137071v1
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    References listed on IDEAS

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    JEL classification:

    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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