(University of Oum El Bouaghi, 2024) Louafi, hamza; Soltane, Mohamed Chaker; Boudjeriou, Imane
This study aims to shed light on the role of financial technology (FinTech) in achieving financial inclusion through digital transformation. It emphasizes the importance of providing access to formal financial services for all segments of the population. The study focuses on the potential of FinTech to achieve this, including mobile-based crowdfunding, which can facilitate access to financial services and reduce costs. It also discusses the impact of digital technologies such as blockchain and artificial intelligence on transforming the financial sector and promoting financial inclusion. The study further addresses existing challenges, such as infrastructure issues, regulation, and social and economic
disparities, and provides recommendations to stimulate innovation, enhance consumer protection, and contribute to creating a more inclusive and sustainable financial system.