Ondabu, Ibrahim Tirimba.Oyaro, John.2026-10-182024https://mjbas.com/data/uploads/84876.pdfhttps://repository.kcau.ac.ke/handle/123456789/1333This paper conducted an empirical review to investigate the influence of different personal characteristics on financial inclusion levels. To accomplish this, the study conducted a comprehensive review of the literature and identified 84 relevant articles using keywords. After scrutinizing these articles, the study selected 44 articles to include in its analysis. The study analyzed the effects of several factors, including gender, access to mobile phones, urbanization, education, age, income, and marital status, to draw meaningful insights and make appropriate recommendations.enArticle