Abstract
The COVID-19 pandemic came as a surprise, and it forced governments across the world to effect lockdowns to combat the spread of the pandemic. Millions of people were compelled to adopt digital financial tools for the first time due to the demands of social distancing and quarantine measures. The quarantine and social distancing measures also motivated many people to start using e-commerce, online education and many other services which ignited the interest in digital financial tools. The pandemic represented an opportunity for the digital transformation of the financial sector through increasing financial inclusion prospects. It is against this background that this study sought to propose innovative ways and policies that governments can implement to improve financial inclusion in the post-COVID-19 world using fintech products. Using secondary sources of data through documentary analysis, the study discovered that it is important to invest in better infrastructure that can promote better payment services through fintech, increase trust in the use of fintech financial services, investment in cybersecurity of fintech financial services and investment in artificial intelligence among other initiatives. The study concludes that following this recommendation can help to further improve financial inclusion prospects even after the COVID-19 pandemic.