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Our analysis examines the types of financial technologies developed, the devices and technical channels used, the research methodologies employed, and the target populations. Additionally, we conducted a reflexive thematic analysis to investigate the values underpinning these studies. By analyzing 30 articles, we interpreted a total of 13 value themes-including trust, accessibility, robustness, and compatibility. Our work highlights a complex interplay of values, structural considerations, technical attributes, financial practices, and economic factors that underlie the design of financial technologies.<\/jats:p>","DOI":"10.1145\/3757539","type":"journal-article","created":{"date-parts":[[2025,10,16]],"date-time":"2025-10-16T17:06:01Z","timestamp":1760634361000},"page":"1-33","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":2,"title":["17 Years of Fintech for Financial Inclusion: A Systematic Review and Critical Value Analysis"],"prefix":"10.1145","volume":"9","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-1685-8576","authenticated-orcid":false,"given":"Priyanka","family":"Verma","sequence":"first","affiliation":[{"name":"University of Toronto, Toronto, ON, Canada"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-8364-0593","authenticated-orcid":false,"given":"Christoph","family":"Becker","sequence":"additional","affiliation":[{"name":"University of Toronto, Toronto, ON, Canada"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-9904-6081","authenticated-orcid":false,"given":"Samar","family":"Sabie","sequence":"additional","affiliation":[{"name":"University of Toronto, Mississauga, ON, Canada"}]}],"member":"320","published-online":{"date-parts":[[2025,10,16]]},"reference":[{"key":"e_1_2_1_1_1","doi-asserted-by":"publisher","unstructured":"J. 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