| Keywords [eng] |
FinTech, Financial inclusion, Income inequality, Banking access, Digital finance, Developing economies, Financial innovation, Economic empowerment. |
| Abstract [eng] |
In this thesis I tried to explore how financial technology (FinTech) is reshaping the global financial landscape, particularly in addressing long-standing challenges like financial exclusion, unequal access to banking services, and widening income inequality. Despite impressive advances, nearly 1.7 billion adults remain outside formal financial systems, underscoring the urgency of inclusive solutions. By analyzing both developed and developing economies, the study investigates how digital financial tools can expand opportunities for individuals and communities while also highlighting the risks and limitations that persist. The findings suggest that while FinTech has significant potential to foster economic empowerment and reduce inequality, its benefits are unevenly distributed and depend heavily on policy frameworks, infrastructure, and user accessibility. Ultimately, the thesis emphasizes that meaningful financial inclusion requires not just technological innovation, but also supportive regulations, education, and equitable access to ensure that no one is left behind in the digital economy. |
