The research aims to study the impact of fintech in promoting the achievement of financial inclusion. The study analysis the reality of the fintech and financial Inclusion with a report. And using panel data for high, middle and low income countries, during the period from 2010-2021, through application of Pooled Ordinary Least Squares (Pooled OLS). The study found that Fintech plays an effective role in achieving financial inclusion by the theoretical analysis and by the estimation by using three financial inclusion indicators Automated Teller Machines Numbers (ATMs), commercial bank branches per 100,000 adults) (FICBB), and credit provided by the financial sector to the private sector % GDP (FICFS), and two financial technology indicators subscribers to mobile networks (MNS), account holders with Mobile phone usage (MAU).

Financial technology, or fintech, has had a significant impact in promoting financial inclusion in the world countries over the past decade. Fintech innovations have provided access to financial services for underbanked and unbanked populations, who previously lacked access to traditional banking systems. These advancements include mobile banking, digital payments, peer-to-peer lending, and crowdfunding