Financial technology (Fintech) marked by technological developments in financial services, has become a significant player in the world of finance. It has the potential to increase financial services’ availability and affordability, particularly for marginalized people. The main purpose of this study was to establish the effect of Fintech on financial inclusion in the banking sector in Kenya. The proposed objectives are: to determine the effect of mobile money on financial inclusion in the banking sector in Kenya and to evaluate the role of mobile banking on financial inclusion in the banking sector in Kenya. This study was grounded in financial intermediation theory and information asymmetry and adverse selection theory. This study employed desktop research methodology. This study adds to the debate on how technology and finance intersect, opening the door for additional investigation of creative solutions for financial inclusion while promoting the attainment of sustainable development goals and sustainable development. This study established that mobile money greatly improves financial inclusion by reducing gaps for disadvantaged groups and boosting accessibility, especially in rural areas with limited traditional banking infrastructure. This study also found that mobile money services greatly improve financial inclusion in Kenya's banking sector, particularly in rural areas, by democratizing access to financial services and closing gaps for underserved populations. Furthermore, by improving accessibility, security, and efficiency, mobile banking significantly advances financial inclusion. The study recommends that regulators, financial institutions, and mobile money service providers in Kenya should work together to promote innovation and competition in the mobile banking sector.