Enhancing public sector financial operations and inclusion through innovative Fintech solutions

This review explores the transformative potential of financial technology (Fintech) in enhancing public sector financial operations and promoting financial inclusion. It examines key Fintech innovations such as automation, blockchain, and artificial intelligence (AI), revolutionizing financial transparency, efficiency, and service delivery in government operations. The paper highlights the challenges of adopting Fintech in the public sector, including regulatory hurdles, technical integration, and data privacy and security concerns. It also identifies emerging trends such as AI, machine learning, and blockchain that offer significant opportunities for public sector growth and digital transformation. Policy recommendations are provided to support Fintech adoption, emphasizing the need for strategic public-private partnerships to ensure sustainable implementation and scalability. Ultimately, this review underscores the critical role of Fintech in modernizing public financial systems, improving operational efficiency, and fostering inclusive access to government financial services. Keywords: Fintech, Public Sector Financial Management, Blockchain, Financial Inclusion, Artificial Intelligence, Digital Transformation.