The general objective of the study was to investigate the effect of Fintech on the financial inclusion among small and medium enterprises in Nairobi County. To achieve this goal, the study was grounded on four objectives which included to assess the effect of online banking, to examine the effect of digital lending applications, to determine the effect of agency banking, and to establish the effect of mobile money services on financial inclusion among SMEs in Nairobi County. The study utilized a descriptive research design, while targeting a population of approximately 50,000 SMEs located within Nairobi County. Given the substantial number of SMEs, the research employed a stratified sampling method, using Slovin’s formula to select a representative sample of 400 respondents, SME owners, distributed across two distinct respondent categories. On the first objective, respondents generally recognized that online banking has expanded their client base and enhanced their operational efficiency. They appreciated the reduced overhead costs and the lower costs compared to traditional banking methods. The convenience of managing financial transactions from anywhere at any time significantly improved, allowing business owners to focus more on their core activities. However, there were reservations about the speed and ease of accessing information through online platforms. On the second objective, digital lending applications were noted for providing quicker access to credit and facilitating faster information retrieval, which are crucial for timely business decisions. Despite these advantages, respondents were skeptical about the affordability of credit through these platforms. They also noted that while digital loans reduced the time needed to access funds, the overall costs were perceived to be lower than those associated with traditional banking. The convenience of using digital lending applications over traditional bank visits was recognized, though not overwhelmingly. On the third objective, agency banking was well-received for its ability to speed up transactions and deposit processes. Respondents valued the extended working hours and the greater cost-effectiveness compared to traditional banking. The method was particularly praised for reducing transaction times and enhancing access to banking services, thus allowing business owners to dedicate more time to their businesses. The overall sentiment towards agency banking was favorable, highlighting its efficiency and convenience. On the fourth objective, mobile money was unanimously lauded for its role in facilitating accessible and convenient financial transactions. Respondents appreciated the ability to conduct transactions at any time and noted the speed at which they could access information and complete financial transactions. The cost-effectiveness of mobile money transactions compared to traditional methods was a significant advantage. Furthermore, the ease of receiving business payments and accessing bank accounts through mobile platforms greatly enhanced operational efficiency and customer satisfaction. The analysis demonstrated that fintech services have a marked positive impact on financial inclusion. Online banking showed a significant influence, evidenced by a correlation coefficient (r) of 0.543 and an F-statistic of 137.818, with a p-value of 0.01, highlighting its strong statistical significance. Digital lending applications also made a positive impact, with a correlation coefficient of 0.627 and an F-statistic of 63.265, signaling very high significance with a p-value less than 0.001. Similarly, agency banking registered a correlation coefficient of 0.649 and an F-statistic of 239.128, with a p-value of 0.01, demonstrating its effectiveness. Mobile banking also contributed positively, reflected by a correlation coefficient of 0.621 and an F-statistic of 205.622, with a p-value less than 0.001. The analysis concluded that online banking not only improves access to financial services and operational efficiency but also presents opportunities for further innovations to meet the evolving needs of small businesses. Digital lending applications provide SMEs with quick and straightforward access to capital. Agency banking effectively bridges service gaps in underserved areas, enhancing financial literacy and inclusion at the grassroots level. Enhancements in training, service offerings, and technology could amplify its benefits. Lastly, mobile banking transforms SME financial management by offering unparalleled convenience and rapid access to services. To enhance financial inclusion for SMEs, it was recommended that financial institutions integrate advanced technologies like AI and blockchain into online banking and conduct regular training for SME owners to boost their engagement and trust. Additionally, fintech companies should expand digital lending with tailored loan products, simplify applications, and ease approval processes. For agency banking, expanding the agent network in rural areas with intensified training and offering incentives for remote operations is advised. Improving the usability and security of mobile banking applications, increasing smartphone penetration, and partnering with mobile network operators can also significantly benefit SME owners, especially in underserved regions. These initiatives aim to broaden the accessibility and impact of fintech solutions across diverse business sectors.