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The purpose of the study was to explore core factors that impact digitalization as a strategic agility tool to increase financial inclusion in the unbanked and underbanked populations in the United States. The relationship between digitalization, strategic agility, and financial inclusion is not yet fully understood, and there is a gap in the literature on the impact and fusion of the three concepts. The study utilized the systematic review qualitative process to research and analyze scholarly peer-reviewed articles. A three-step thematic coding process was performed to identify key concepts, codes, and categories, resulting in five themes. Recommendations were submitted based on the evidence revealed. The study may have implications for scholars and practitioners, as it may lead to the effective development of strategies and solutions that increase financial Inclusion, resulting in economic equality and financial well-being of approximately 5.9 million unbanked and 18.7 million underbanked individuals in the United States. The study also made the business case for exploring opportunities in the expanding underbanked population that may positively impact the performance and profitability of formal financial institutions.