by Victoria Hollingshead. FinTech promises to revolutionize financial inclusion by harnessing data science to reach populations historically excluded from formal financial systems. By analyzing digital footprints, mobile payments, and behavioral data, startups and financial institutions have the potential to improve customer-lender interactions and revolutionize screening and monitoring techniques. While FinTech shows promise of enabling financial access, it also raises critical questions: how do we implement financial inclusion without reproducing the structures of the past? And more rhetorically, can financiers be the arbiters of financial inclusion, if their intrinsic role is to stratify and exclude?