Ngonyama, NomasomiNgonisa, PhillipAkinshoto, Adeniyi Samson2026-07-312026-07-312025-08http://hdl.handle.net/20.500.11837/4284Financial inclusion is considered one of the major parts of economic development catalysts across the globe, including the sub-Saharan African countries. It has been a dynamic instrument in achieving inclusive and sustainable macroeconomic objectives (growth, employment generation, economic and income stability, income equality, and poverty reduction). Furthermore, in recent times, Financial Inclusion has been on the rise in the sub-Saharan Countries, but yet to be reflected on the reality on ground, as many people are still left unincluded in the area of use, thereby necesitating a look into the variables that determines and by implication drives financial inclusion. Therefore, this study examined the determinants of financial inclusion in Sub-Saharan African countries. It adopted a quantitative method, focusing on 15 selected sub-Saharan African countries. This study considered Financial Technology, Financial Education, Economic growth, Domestic Credit to Private Sector and Bank Concentration as determinants of financial inclusion. Panel data sourced from the World Bank Global Findex and other statistical bulletin for the period of 2011 to 2021. This study considered a correlation matrix adopting Pearson correlation coefficients that is employed in order to understand the relationships between various variables present and also to detect the existence of a multicollinearity problem. Likewise, Principal Components Analysis (PCA) was applied to selected data in a manner that maintains most of the information to generate a financial inclusion Index, used as dependent variable in the study. Multiple regression was done using the difference GMM technique. The findings revealed that financial education, economic growth, employment and domestic credit to the private sector, significantly contributed to financial inclusion. It is therefore recommended that there is a need to steer policies towards technological infrastructure to enhance financial inclusion and others to achieve more Financial Inclusion in the region.enEconomic development -- AfricaElectronic commerceThesis