This study examined financial inclusion on economic performance in Nigeria with quarterly data spanning 2009Q1-2021Q4 using ARDL as the choice technique of analysis the findings demonstrated that although the quantity of USSD, POS, and ATM transactions increased GDP, the effect was not statistically significant, suggesting that these factors did not have a major impact on economic performance. In a similar vein, lending to the private sector decreased GDP, but this effect was not statistically significant. The study therefore concludes that throughout the research period, Nigeria’s economic performance was not significantly impacted by the factors that indicate financial inclusion and to better understand the underlying causes and dynamics of the link between financial inclusion and economic success in Nigeria, the study does, however, suggest more research. It is important for policy makers and regulators to ensure that banks are exerting enough effort to adhere to the policies, rules, and laws that oversee their business operations. This might be accomplished by forming a committee to supervise adherence to the regulations pertaining to financial inclusion and that it is imperative that regulators ensure that all aspects of financial inclusion are aimed at boosting domestic economic activity and ultimately leading to national economic growth.
Keywords: ARDL, Economic Performance, Finance inclusion, financial institution.
