The role of financial technology (FinTech) is centre-stage in the discussion on how to financially include poor people in developing economies. But the benefits for micro, small and medium enterprises (MSMEs) have gained less attention so far. This report shifts the focus on to MSMEs as they are important job creators at the bottom of the pyramid. But is FinTech the game changer for the traditional bricks and mortar bank model that excludes so many enterprises? How can FinTech improve access to MSME finance and lower its cost? And what technologies look most promising?