The availability of banking services and payments to the entire population without discrimination is the main objective of the policy of financial inclusion. Many financial technology-based innovations are emerging in the future to improve financial inclusion. The purpose of this study is to encourage the level of achievement of financial inclusion programs through the most effective and transparent financial services. In this study discusses various financial technological innovations used to reach rural communities and conceptual models are developed to identify the factors that drive financial inclusion. The results of the study developed through literature research identified that the level of financial literacy, high cost, technology, trust, income level, distance, and product, is the determining factor of financial inclusion in rural areas.