This study goals to discuss how the financial inclusion progress in Indonesia could be affected by the growing fintech industry. This research comprehensively discusses the current state of the platforms in the country, including the potential benefits and challenges. Such afflictions include the hugely-concentrated deposit market, to begin with, and the discrepancies between regulators and the technological changes, while the high internet and mobile phone penetration are only one of the many advantages the country endowed. The study also aims to highlight the challenges faced in increasing financial inclusion before the fintech platforms begin to flourish and how they differ to the current condition. The novelty and relevant policy recommendations also provided in the latter parts of the discussion.