The article reflects on the progress and challenges in financial inclusion, particularly in the context of fintech's rapid growth. It discusses the excitement and investment in fintech, Asia's role as a hub for innovation, and the need to focus on the poor within financial inclusion efforts. The author cautions against the hype surrounding fintech solutions and emphasizes the importance of connecting digital services with the non-digital world. The piece also highlights the need for a ubiquitous digital-non-digital interface, full-spectrum financial services for the poor, and regulators equipped to manage emerging business models. The author concludes by outlining CGAP's role in integrating microfinance and digital finance to keep the poor at the center of financial inclusion efforts.