DIP: 18.02.25/20230803 
DOI: 10.25215/2455/080325 
Abstract
The increasing growth in financial technology (fintech) has redesigned the structure of financial ecosystem in the world as it has expanded access to more exclusive financial services that are beneficial. The paper is named as ‘Democratizing Wealth: Fintech Platforms and the Future of Financial Inclusion, in which the author explores the revolution of digital platforms that can increase wealth distribution, wealth ownership, and wealth engagement among the marginalized populations. Aspirations to own assets and access credit have always been hampered by a lack of access to financial services by geographic, socio-economic and regulatory reasons that have led to inequality in asset and credit ownership. By completely changing the terms on which transactions are made, fintech platforms are breaking these barriers down by making transactions cheaper, increasing transparency, as well as providing personalised financial solutions with innovations such as mobile banking, peer-to-peer lending, digital investment, and blockchain-based assets. The paper presents the analysis of the case studies of both emerging and developed strengths and the contribution of fintech in enhancing inclusion of low-income families, micro-entrepreneurs, and non-banking populations. It also addresses the risk and constrains of fintech-based democratization that can happen due to regulatory issues, digital literacy, cybersecurity threats, and even the new type of exclusions. The combination of the secondary data analysis performed with the help of the industry reports gives a complex picture of the opportunities and hazards of fintech. The evidence shows that the fintech platforms cannot be considered a magic bullet, but constitute a significant driver of re-engineering wealth access. They have friendly policies, powerful digital infrastructure and selective financial coaching that contributes to their success. In conclusion, the paper finds that fintech can democratize wealth and ensure sustainability of economic participation, so long as innovativeness goes hand in hand with the inclusive protective measures. Overall, this study highlights how fintech is a variable force changing the state of financial equality towards a better place.
The authors profoundly appreciate all the people who have successfully contributed to ensuring this paper in place. Their contributions are acknowledged however their names cannot be mentioned. 
The author declared no conflict of interest. 
ISSN 2455-670X