This review explores the role of technology in advancing financial inclusion in emerging markets. Financial inclusion, defined as the universal access to affordable financial services, is crucial for economic development, particularly in emerging markets. Technological advancements have enabled innovative financial solutions, breaking down traditional barriers to access and bridging gaps in financial services. Mobile banking, digital wallets, and blockchain technologies have become key tools in extending financial services to previously underserved populations. Mobile banking has been a game-changer, allowing individuals with limited access to traditional banking infrastructure to conduct financial transactions seamlessly. Digital wallets offer a secure and convenient means for users to store, transfer, and receive money. Blockchain technology, with its decentralized and transparent nature, has facilitated the development of innovative financial products like cryptocurrencies, providing alternative avenues for financial inclusion. Despite these advancements, challenges persist, including concerns related to data security, regulatory frameworks, and the digital literacy of users. The review critically examines these challenges and explores potential solutions to ensure the sustainable growth of financial inclusion initiatives in emerging markets. The COVID-19 pandemic has underscored the importance of resilient and accessible financial systems. The review assesses the pandemic's impact on financial inclusion trends, highlighting both the vulnerabilities exposed and the opportunities for further integration of technology in addressing economic shocks. The review contributes to the evolving discourse on financial inclusion through technology in emerging markets. By identifying trends, challenges, and opportunities, it offers valuable insights for policymakers, financial institutions, and technology innovators seeking to drive inclusive economic growth through technological interventions. The review also highlights the role of technology in financial inclusion, including the impact of mobile banking, digital wallets, and blockchain technologies. It discusses the challenges in implementing technology-driven financial inclusion, such as data security and privacy concerns, regulatory hurdles, digital literacy, and infrastructure limitations. The review also examines the impact of the COVID-19 pandemic on financial inclusion trends, emphasizing the need for resilient financial systems. The review concludes that technology plays a pivotal role in expanding financial services to underserved populations and driving economic development in emerging markets.This review explores the role of technology in advancing financial inclusion in emerging markets. Financial inclusion, defined as the universal access to affordable financial services, is crucial for economic development, particularly in emerging markets. Technological advancements have enabled innovative financial solutions, breaking down traditional barriers to access and bridging gaps in financial services. Mobile banking, digital wallets, and blockchain technologies have become key tools in extending financial services to previously underserved populations. Mobile banking has been a game-changer, allowing individuals with limited access to traditional banking infrastructure to conduct financial transactions seamlessly. Digital wallets offer a secure and convenient means for users to store, transfer, and receive money. Blockchain technology, with its decentralized and transparent nature, has facilitated the development of innovative financial products like cryptocurrencies, providing alternative avenues for financial inclusion. Despite these advancements, challenges persist, including concerns related to data security, regulatory frameworks, and the digital literacy of users. The review critically examines these challenges and explores potential solutions to ensure the sustainable growth of financial inclusion initiatives in emerging markets. The COVID-19 pandemic has underscored the importance of resilient and accessible financial systems. The review assesses the pandemic's impact on financial inclusion trends, highlighting both the vulnerabilities exposed and the opportunities for further integration of technology in addressing economic shocks. The review contributes to the evolving discourse on financial inclusion through technology in emerging markets. By identifying trends, challenges, and opportunities, it offers valuable insights for policymakers, financial institutions, and technology innovators seeking to drive inclusive economic growth through technological interventions. The review also highlights the role of technology in financial inclusion, including the impact of mobile banking, digital wallets, and blockchain technologies. It discusses the challenges in implementing technology-driven financial inclusion, such as data security and privacy concerns, regulatory hurdles, digital literacy, and infrastructure limitations. The review also examines the impact of the COVID-19 pandemic on financial inclusion trends, emphasizing the need for resilient financial systems. The review concludes that technology plays a pivotal role in expanding financial services to underserved populations and driving economic development in emerging markets.