The study examines the determinants of financial inclusion in Nigeria from 2010Q1to 2022Q4. The study applies Augmented Dickey-Fuller (ADF) test and Phillips-Perron (PP) test to check the stationarity of the data, Autoregressive Distributed Lag (ARDL) Model was used to examine the determinants of financial inclusion in Nigeria. The results indicate that literacy rate boosts financial inclusion while money supply reduces financial inclusion. Remittances positively influences financial inclusion although not statistically significant. The study also reveals that financial innovation positively impacts financial inclusion in Nigeria. Lastly, the result also shows that trade openness has a positive and statistically significant impact on financial inclusion at 1 per cent significance level in the long-run. The study recommends that The CBN and financial institutions should promote financial literacy and education by developing targeted financial literacy programs, especially in rural and underserved communities, to improve awareness and usability of financial products.