The Impact of Financial Inclusion and Information and Communication Technology on Economic Growth in Nigeria

This study examines the impact of financial inclusion, information and communication technology (ICT), literacy rate, and gross capital formation on economic growth in Nigeria for the period 1990–2024. Using secondary time series data from the Central Bank of Nigeria, the study employs the Autoregressive Distributed Lag (ARDL) bounds testing approach to investigate both shortand long-run relationships. Empirical results reveal that mobile banking (β = 0.312, p < 0.01), access to financial servic