This article examines the transformative role of technology in advancing financial inclusion across developing economies. It explores how microservices architecture, cloud-native solutions, and digital identity verification systems are revolutionizing financial service delivery to underserved populations. The article analyzes the implementation of digital financial services across multiple regions, focusing on technical infrastructure, adoption challenges, and partnership models. Through examination of various case studies and empirical research, the article demonstrates how technological innovations have reduced transaction costs, improved service accessibility, and enhanced financial inclusion metrics. The article particularly highlights the impact of mobile money services, digital payment systems, and automated KYC processes in breaking down traditional barriers to financial access. Additionally, it investigates the challenges facing digital financial service implementation and proposes strategic approaches for sustainable expansion of financial inclusion initiatives.
Keywords: Microservices architecture, cloud-native banking, digital financial inclusion, digital identity verification, financial technology infrastructure
