Research Journal of Finance and Accounting

Financial sector is constantly striving to find new ways to provide financial services to the world's population as the fact that banks play a key role in promoting online businesses. The increase in technology in the financial industry (FinTech) seems to have filled the gap in the inaccessibility of financial services, as facilitating accessibility for all entities to financial tools and services at reasonable costs. Digital Payments, P2P and many others are just an example of the development of FinTech, and while these innovative services have changed the financial world, including many participants in the financial sector, a huge unused portion of the world's population, which does not use a bank, remained non-inclusive.