بڨوڨ منالبن ڨربة ندىصحراوي جليلة2026-09-102026-09-102026https://dspace.univ-temouchent.edu.dz/handle/123456789/7537This study aims to test the impact of financial technology application on financial inclusion, through an econometric study based on multiple regression analysis of Panel Data, and the Panel-Corrected Standard Errors (PCSE) technique, across a selected sample of 12 countries during the period (2012-2023). The study concluded that financial technology tools, represented by the number of Automated Teller Machines, the number of internet users, and the number of debit cards, have a significant positive impact on raising the financial inclusion index. These results confirm the pivotal role of financial technology in overcoming traditional financial access barriers, which necessitates the adoption of digital strategies to enhance financial inclusion and develop the technical infrastructureotherFinancial TechnologyFinancial InclusionPanel DataPCSE Model.Thesis