The quality of institutions, like rule of law and regulations, plays a significant role in promoting financial inclusion worldwide. Strong legal systems and clear regulations are crucial for people to have access to bank accounts, especially in Africa. This study looked at data from 120 countries over 15 years and found that improving institutional quality can help increase financial inclusiveness. In Africa, where legal systems and regulations are weaker, the impact of institutions on financial inclusion is even more pronounced. This research suggests that improving institutional frameworks could help make banking more accessible to everyone.