This study delves into the relationship between financial technology (fintech) development and poverty reduction in Asia, focusing on the intermediary role of financial inclusion. Examining data from 12 developing Asian countries spanning from the fourth quarter of 2004-2017 and considering variables such as gross domestic product, trade openness, and the rule of law, the study employs a two-step methodology. Firstly, it utilizes principal component analysis to construct indices for financial inclusion, poverty, and economic factors. Subsequently, cross-sectional modeling is conducted using strongly balanced panel data in Stata to explore the relationships. The findings consistently show that increased financial inclusion correlates with lower poverty levels, indicating that inclusive financial systems positively impact poverty reduction. The study identifies financial inclusion as a crucial mediator between financial technology and poverty. It underscores the significance of financial inclusion in mediating the relationship between fintech and poverty reduction, shedding light on the evolving dynamics of fintech advancements and their implications for poverty alleviation. Furthermore, the research reveals the intricate interplay between economic factors, such as changes in gross domestic product, trade openness, and the rule of law, and their influence on the relationship between financial inclusion and poverty reduction. The study's originality lies in its contribution to the ongoing discourse on measuring poverty and financial inclusion, particularly in Asia. By creating an index and employing panel data regression modeling on a large data set, the study extends previous research on poverty levels in Asian countries. Moreover, it highlights the significant roles of mobile penetration, Internet usage, and financial inclusion in the nexus between financial access and poverty reduction. It provides insights relevant to policymakers, particularly in the context of development plans and competitive advantages in regions like Saudi Arabia's Hai'l. (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)12(sic)(sic)(sic)(sic)(sic)(sic)2004(sic)(sic)(sic)(sic)(sic)(sic)2017(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic),(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic),(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic), (sic)(sic)Stata(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic),(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)"(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)"(sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic) ((sic)(sic)(sic)(sic)(sic)(sic)) (sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic),(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)"(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)"(sic)(sic)(sic)(sic)(sic)(sic).(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic), (sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic)(sic). Este estudio profundiza en la relaci & oacute;n entre el desarrollo de la tecnolog & iacute;a financiera (fintech) y la reducci & oacute;n de la pobreza en Asia, centr & aacute;ndose en el papel intermediario de la inclusi & oacute;n financiera. Examinando datos de 12 pa & iacute;ses asi & aacute;ticos en desarrollo, desde el cuarto trimestre de 2004 hasta 2017, y considerando variables como el producto interno bruto, la apertura comercial y el estado de derecho, el estudio emplea una metodolog & iacute;a de dos pasos. En primer lugar, utiliza el an & aacute;lisis de componentes principales para construir & iacute;ndices de inclusi & oacute;n financiera, pobreza y factores econ & oacute;micos. Posteriormente, se realiza un modelo transversal utilizando datos de panel fuertemente balanceados en Stata para explorar las relaciones. Los hallazgos muestran consistentemente que una mayor inclusi & oacute;n financiera se correlaciona con menores niveles de pobreza, lo que indica que los sistemas financieros inclusivos impactan positivamente en la reducci & oacute;n de la pobreza. El estudio identifica la inclusi & oacute;n financiera como un mediador crucial entre la tecnolog & iacute;a financiera y la pobreza. Subraya la importancia de la inclusi & oacute;n financiera en la mediaci & oacute;n de la relaci & oacute;n entre la fintech y la reducci & oacute;n de la pobreza, arrojando luz sobre la din & aacute;mica cambiante de los avances en fintech y sus implicaciones para el alivio de la pobreza. Adem & aacute;s, la investigaci & oacute;n revela la intrincada interacci & oacute;n entre factores econ & oacute;micos, como las variaciones del producto interior bruto, la apertura comercial y el Estado de derecho, y su influencia en la relaci & oacute;n entre la inclusi & oacute;n financiera y la reducci & oacute;n de la pobreza. La originalidad del estudio reside en su contribuci & oacute;n al debate actual sobre la medici & oacute;n de la pobreza y la inclusi & oacute;n financiera, especialmente en Asia. Mediante la creaci & oacute;n de un & iacute;ndice y el empleo de modelos de regresi & oacute;n de datos de panel en un amplio conjunto de datos, el estudio ampl & iacute;a investigaciones previas sobre los niveles de pobreza en pa & iacute;ses asi & aacute;ticos. Asimismo, destaca el importante papel de la penetraci & oacute;n de la telefon & iacute;a m & oacute;vil, el uso de internet y la inclusi & oacute;n financiera en el v & iacute;nculo entre el acceso financiero y la reducci & oacute;n de la pobreza. Proporciona informaci & oacute;n relevante para los responsables pol & iacute;ticos, en particular en el contexto de los planes de desarrollo y las ventajas competitivas en regiones como Hai'l, Arabia Saud & iacute;.
