The rapid evolution of Financial Technology (FinTech) has significantly transformed access to credit, particularly through automated lending platforms. However, in Nigeria, challenges such as regulatory uncertainties, cybersecurity threats, and borrower credibility assessment hinder the full potential of FinTech-driven financial inclusion. This study examines the role of FinTech integration in improving access to credit, assesses the impact of digital financial inclusion strategies, analyzes key challenges, and proposes strategic recommendations to optimize FinTech-driven credit models for enhanced financial inclusion and economic growth. A conceptual research approach was adopted, leveraging an extensive review of empirical and theoretical literature to explore the relationship between FinTech integration and financial inclusion. The study identified automated lending platforms and digital financial inclusion strategies as key drivers of credit access and economic participation. The existence of multiple security hazards in FinTech systems stems from management deficiencies combined with protection flaws and ambiguous credit-rating procedures, which lead to trust issues that restrict system growth. Research supports the deployment of four solutions with standardization of regulations coupled to digital education and enhanced cybersecurity and AI-based credit scoring. The financial scope of Kano State, along with other underdeveloped areas, will improve by combining extended mobile network expansion with a broadened understanding of USSD-based FinTech solutions. The study concludes that FinTech innovation remains a critical enabler of financial inclusion in Nigeria, but its full potential can only be realized through regulatory reforms, technological advancements, and collaborative public-private sector initiatives. Scientific investigations should analyze FinTech product acceptance by unbanked Nigerian communities to determine their lasting economic development and financial accessibility effects.