The study looked at how trade openness, remittances, and regulatory quality affect financial development in emerging economies. They analyzed data from 50 developing countries between 1998 and 2017 using different statistical models. The results showed that increasing trade openness by 10% can lead to a 0.7% rise in financial development, while improving regulatory quality by one unit can boost financial sector growth by 3.3%. On the other hand, for every year with higher remittance figures, financial development may decrease by around 0.5%. Overall, the study found that better trade openness and regulatory quality can significantly improve financial development, while large remittances may have a negative impact.