How does financial literacy impact on inclusive finance?

Abstract Inclusive finance is a core concept of that makes various financial products and services accessible affordable to all individuals businesses, especially those excluded from the formal system. One leading forces affecting people's ability access in rural areas literacy. This study investigated impacts knowledge on through banking, microfinance, fintech using Bangladesh population data. We employed three econometrics models: logistic regression, probit complementary log–log regression examine whether literacy significantly affects removing barriers prevent people participating improve their lives. The empirical findings showed regarding factors had significant getting access. Some variables such as profession, income level, depositing withdrawing money, interest rate highly affected overall finance. study's results provide valuable recommendations for policymaker inclusion developing country context. A comprehensive long-term education program should be delivered broadly make big stride inclusion, key driver poverty reduction prosperity boosting.