The paper highlights the importance of information and communication technologies (ICTs) in access to and delivery of financial services. It demonstrates the efficacy of mobile money in addressing financial exclusion and seeks to answer the question: which digital financial services are capable of enhancing financial inclusion and deepening the financial system? The study relied on secondary literature sources such as journal articles and industry reports sourced from management education electronic libraries, mainly JSTOR and EBSCO as well as Google Scholar and Google searches. The articles were analyzed using NVIVO 10 Qualitative