<p>The study investigates the effect of FinTech on financial inclusion in sub-Saharan Africa (SSA). The study adopts a battery of econometric techniques such as the traditional ordinary least square (OLS) estimation technique, two-step system GMM, Driscoll-Kraay covariance matrix estimator, and panel vector autoregressive (PVAR) Granger causality model. The study finds that technology infrastructure (captured by mobile cellular subscription and the share of population with internet access) and the level of education (proxied by mean years of schooling) are important channels through which FinTech deepens financial inclusion. In other words, the study argues that FinTech may not directly engender financial inclusion in SSA if the necessary infrastructure is not in place. For instance, internet connectivity is not ubiquitous across the region, and this may hinder many of the citizens from utilizing mobile payment platforms for payments purposes which will worsen financial exclusion in SSA. Therefore, this implies the technology infrastructure in SSA needs to be enhanced. The result also shows that FinTech Granger causes financial inclusion in SSA. This implies FinTech can help to deepen financial inclusion in SSA. Further, we find that quality of government, education and population are significant determinants of financial inclusion in SSA. The research and policy implications are discussed.</p>