1/ GUEFFAI Asmaa Khouloud 2/ GHALEM DJELTI Khadidja2026-09-242025-07https://dspace.esm-tlemcen.dz/handle/123456789/321This research aims to investigate the role of financial technology (fintech) in promoting financial inclusion and economic growth. It examines the synergistic interaction between these variables, drawing on both theoretical and empirical validations. The study is based on empirical validation across ten African countries. It uses a panel Auto Regressive Distributed Lag (ARDL) model over the period 2004-2021. Various financial and economic indicators are employed to analyse both short-term and long-term effects. The results show that fintech and financial inclusion play a significant and crucial role and are considered a key solution for boosting the economic growth of the studied countriesfrFintechInclusionEconomic growthARDLAfrican countriesEconomic developmentFinancial developmentThesis