The article reviews what factors influence financial inclusion in Zimbabwe. Factors like age, education, income, and internet access are linked to higher financial inclusion. On the other hand, the need for lots of paperwork and distance to banks can make it harder for people to access financial services. The government should make it easier for banks to set up closer to people or use technology like mobile banking to improve access. They should also promote simpler account requirements to make it easier for people to open accounts without risking financial crime.