Abstract:
Financial Inclusion has become hot topic ofthe economic world specially for developing nations.
Institutions of Pakistan has proven its best to address Financial Inclusion. There are multiple
variables that predicts the Financial Inclusion in any state. These predictors vary from region to
region especially due to change in demographical aspect. Financial inclusiveness will be
considered as dream without education and financial literacy. The purpose ofmy study is to assess
the impact of Financial Literacy, Qualification and income levels on financial inclusion through
Bank Account. To evaluate the impact, a questionnaire was prepared and circulated to three
different regions of Pakistan considering their characteristics and to ensure balance in the study.
The study employs multiple regression technique to evaluate the impact. It was observed that
income levels are significant predictor of Financial Inclusion followed by Qualification and
Financial Literacy. Further, research also shows the inclusion of female to a very low level in
Pakistan especially in rural areas.
