Financial Inclusion in Fintech Era: A Systematic Review of Literature and Research Frontiers

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Recent research emphasized the growth of Fintech in promoting financial inclusion, primarily through digital interventions. Scholars explore the intricate link between growth of an economy through financial technology and inclusion of each member of society, sparking a surge in academic interest. Current study conducts a systematic literature review (SLR) through Theory, Construct, Context and Method (TCCM) framework from 1980 to 2023, analysing 45

journal articles from various international perspectives. The synthesis reveals valuable insights into traditional and digital financial services, emphasizing the roles of socio-economic, technological, and policy factors. Policymakers, researchers, and practitioners stand to benefit significantly from these findings, particularly in addressing persistent gaps related to access, adoption, and trust in Fintech for financial inclusion. The study underscores the need for further research, urging exploration of non-linear effects, cross-country comparisons, and interdisciplinary approaches to deepen understanding and foster more inclusive financial systems. This research contributes to advancing financial inclusion theory and advocates for ongoing efforts to create sustainable and accessible financial environments globally.

Keywords – Financial inclusion, Fintech, digital finance, Systematic Literature Review, TCCM Framework

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