Financial inclusion has emerged as a critical driver of economic development and social equity, yet much of the discourse focuses primarily on access and infrastructure, often overlooking the social and behavioral dimensions that influence financial decision-making. This study analyzes the interplay of social norms, trust, financial literacy, and behavioral biases in shaping individuals' engagement with formal financial systems. Using a mixed-methods approach—including survey data, focus group discussions, and secondary literature—the research highlights how cultural attitudes, gender roles, peer influence, and perceived risks impact financial inclusion outcomes, especially in underserved communities. The study finds that addressing behavioral barriers is as essential as expanding physical and digital access to financial services. Policy recommendations include the design of inclusive financial literacy programs, community-driven trust-building initiatives, and the integration of behavioral economics into financial product development.

Financial inclusion, social norms, behavioral economics, financial literacy

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