Effect of Digital Banking on Financial Inclusion of Students in Kaduna State University, Kaduna-Nigeria

The growing need to understand how digital financial services affect the financial participation of youths has been on an increase. This study examines the effect of digital banking (proxy by mobile banking, ATM, POS, Internet banking and Digital Payment Platform) on the financial inclusion of Students in Kaduna State University, Nigeria. This study is a response to the growing needs to comprehend the influence of digital Banking on the financial participation of youths in a developing country like Nigeria. Quantitative research design was used where data was collected from 497 students and analyzed using PLS-SEM. The findings shows that Mobile Banking, Internet banking, POS, and Digital Payment Platforms all have a significant relationship to financial inclusion. However, ATM was found to be insignificant. With an R² of 0.285, the model is said to have a moderate variance in financial inclusion. This study recommends that more strategies for mobile banking, POS, internet infrastructures and digital banking platforms should be made more available within the university.