This research is a case study on how disruptions by fintech are included in the financial inclusion effect in Nigeria from 2015 to 2024. Using descriptive statistics, correlation analysis and ordinary least squares (OLS) regression, the study measures the effect of fintech adoption, accessibility, innovation and regulatory frameworks on financial inclusion with GDP per capita introduced as the control variable. The outcomes reveal that fintech adoption, accessibility and innovation have a high positive impact on financial inclusion whereas currently regulatory frameworks have an insignificant impact. Strong positive correlations among the components of fintech and GDP add to the interconnected nature of the fintech ecosystem in promoting access to financial services. These findings indicate that use of digital financial services tuning policies to enhance accessibility and innovative functioning are vital points for increased financial inclusion. The study adds to the literature by presenting current empirical evidence on fintech-led inclusion from an emerging economy context and deliver lessons for policy makers, financial institutions, and researchers on best practises for optimising fintech strategies to support inclusive economic growth.