Financial inclusion and fintech: a state-of-the-art systematic literature review

Dao Ha (), Phuong Le () and Duc Khuong Nguyen
Additional contact information
Dao Ha: Ho Chi Minh University of Banking
Phuong Le: Ho Chi Minh University of Banking

Financial Innovation, 2025, vol. 11, issue 1, 1-42

Abstract: Abstract This study presents an all-inclusive analysis of the literature on the augmentation of financial inclusion through fintech. Ninety-six papers were selected from the 2951 articles in the Web of Science, Scopus, and EBSCO databases. This study uses bibliometric and content analysis techniques to illuminate the underexplored aspects of fintech’s impact on financial inclusion. Unlike previous studies, this study consolidates a significant amount of the literature on financial inclusion by systematically contextualizing theories and viewpoints from the fintech sector. The key findings include the identification of three main research clusters: (1) the advent of novel services, (2) the transformation of the market landscape, and (3) the roles of stakeholders in the fintech ecosystem. The analysis reveals gaps in the existing research, such as the need for more studies on the tangible impact of fintech on financial inclusion and regulation. This study concludes by highlighting potential directions for future research and emphasizing the importance of policymakers paying greater attention to fintech’s implications for financial inclusion.

Keywords: Fintech; Financial inclusion; Sustainable growth; Systematic literature review; Bibliometric analysis; Content analysis (search for similar items in EconPapers)
JEL-codes: G2 O16 O33 (search for similar items in EconPapers)
Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
http://link.springer.com/10.1186/s40854-024-00741-0 Abstract (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:spr:fininn:v:11:y:2025:i:1:d:10.1186_s40854-024-00741-0

Ordering information: This journal article can be ordered from
http://www.springer. ... nomics/journal/40589

DOI: 10.1186/s40854-024-00741-0

Access Statistics for this article

Financial Innovation is currently edited by J. Leon Zhao and Zongyi

More articles in Financial Innovation from Springer, Southwestern University of Finance and Economics
Bibliographic data for series maintained by Sonal Shukla () and Springer Nature Abstracting and Indexing ().