Fintech apps promise financial inclusion, but I've seen them exclude the very people they claim to help. My neighbor with no credit history got denied by every digital lender, even though she's been paying her rent and utilities on time for years. The algorithms are trained on traditional banking data, so they just replicate the same biases. Regulators keep praising these platforms for reaching the unbanked, yet the most vulnerable still fall through the cracks. Doesn't that mean we should demand more transparent, human-reviewed credit decisions before calling fintech a solution?