An important problem in the world is how to include financially marginalized individuals. I address this problem by investigating how FinTech (Financial Technology) practitioners perform financial inclusion work. I explore this problem in the context of a FinTech venture situated in Ghana, where financial inclusion presents an ongoing challenge with 61% of the Ghanaian population remaining unbanked. I find that balancing technology with social interactions is critical for financial inclusion work. Specifically, insights from day-to-day practices, narratives, activities, and interactions of FinTech practitioners who produce and reproduce their FinTech organization, which shapes and reshapes social contexts institutionally, enhance our understanding of the interplay between institutional logics and organizational practices as contextually contingent. My findings change how we understand social inclusion. Whereas we previously thought technology is key to including the marginalized, my study shows that social interactions are necessary for inclusion work to happen. I propose a recursive process model of enacting financial inclusion, where FinTech practitioners can devise possible solutions for shaping financial inclusion given societal barriers. The findings have implications for our understanding of the purposeful enacting of financial inclusion, where practices, narratives, and strategies of FinTech practitioners contribute towards the construction and legitimization of financial inclusion space.
