Emerging markets face unique financial challenges, including economic volatility, regulatory gaps, and limited access to financial services. This review explores innovative financial planning and governance models tailored to address these issues, drawing insights from startups and banking audits. It highlights how fintech-driven startups leverage advanced technologies, such as artificial intelligence (AI), blockchain, and big data analytics, to develop inclusive financial solutions. These technologies enable predictive modeling, decentralized finance (DeFi) frameworks, and smart contracts, enhancing transparency, scalability, and efficiency. The analysis also examines governance models influenced by banking audits, emphasizing the role of audits in identifying compliance gaps and strengthening risk management frameworks. Through detailed case studies, the review demonstrates how startups and established financial institutions collaborate to implement hybrid governance systems that balance agility with regulatory compliance. Key findings reveal that fintech innovations improve financial accessibility, while audits provide a foundation for refining governance practices to mitigate risks and ensure accountability. Policy and regulatory implications are discussed, focusing on the need for adaptive frameworks that support innovation while safeguarding financial systems. Recommendations include promoting regulatory sandboxes for testing new technologies, enhancing cross-border cooperation, and incorporating Environmental, Social, and Governance (ESG) principles into financial strategies. The review concludes that emerging markets can achieve sustainable economic growth by integrating technology-driven financial planning with robust governance structures. It underscores the transformative potential of startups and banking audits in reshaping financial ecosystems, reducing inequality, and fostering long-term stability. Future research should explore the scalability of these models and the evolving role of decentralized finance in addressing global financial challenges.