Financial Inclusion using State of the Art Technology By Rafi Ullah (@rafiafridi19) In today’s Fintech space, multiple products, services and platforms facilitate people in different banking related tasks such as account information, saving and investment. Most of the population (Under-banked or Unbanked) remains unaware of these services and platforms. For the unbanked financial Inclusion is using step by step e Learning systems and providing them all services in their local languages because they are illiterate. Under-banked people are already aware of financial services but they may have lacking such as how to monitor, manage and optimise use of personal finances. There is need of product / service that takes on the charge of full journey of the customer, from initial on-boarding state of customer to financial literacy where the person is not just well-aware about the financial products and services offered by local banks and financial institutions and FinTechs but also help them to choose the best product that can help one to achieve “sustainable financial wellness”. Financial Institutions such as banks and Paytech collaborators should use state of the art techniques to do that, for example, chat-bots that communicate in local languages, e Learning for financial inclusion, digital wallet Integration with banks, marketplace for financial products, user persona builder (based on parameters such as awareness, expenditure, income, credit, risks and interest level), recommendation system for users to suggest them best services as per their preferences. All payment transactions should be a secure medium (multiple parameters such as trust index) may be using blockchain technology. Technologies that will be used consist of natural language detection, machine learning for fraud detection, different financial scoring methods and recommendation systems.