Financial Technology and Financial Inclusion in Supporting Sustainable Development

Abstract

The rapid development of digital technology has transformed the financial sector through the emergence of Financial Technology (FinTech) services that are increasingly accessible to society. This study aims to analyze the role of FinTech in strengthening financial inclusion and its implications for sustainable development. The research employs a descriptive qualitative approach using a literature review method based on scholarly articles, international reports, and academic publications published over the last five years. The collected data were analyzed using content analysis to identify the relationship between FinTech, financial inclusion, and sustainable development. The findings indicate that FinTech contributes significantly to expanding public access to formal financial services through innovations such as digital payments, e-wallets, mobile banking, and digital financing platforms. Improved financial inclusion supported by FinTech enhances economic resilience, increases access to financing, supports business growth, and contributes to poverty reduction and economic equality. Furthermore, FinTech and financial inclusion are closely associated with the achievement of sustainable development goals through increased economic participation and community empowerment. This study confirms that FinTech serves as a strategic instrument in promoting more inclusive and sustainable development.