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This paper examines the inter-linkages of ICT diffusion, economic freedom, financial development, and economic growth with financial inclusion using a panel data analysis of 22 countries from emerging economies. The variables are found to be cointegrated, and applying a VECM approach indicated the presents of a long run relationship among the variables. From the literature, financial inclusion and economic growth are positively associated, but, apart from the conventional findings, our results show that growth leads to higher financial inclusion in the long run. Further, the other factors, ICT, economic freedom, and financial development, are also positively related to financial inclusion in the long run. These findings have significant policy implications and stress the importance of creating an economic environment conducive for sustained economic growth.

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