<p>Financial literacy is a key component of the global policy agenda for financial inclusion since it enables people to make wise financial decisions that enhance their well-being. The study on financial inclusion development primarily examined the effects of financial literacy and financial technology, with financial behavior serving as a moderating variable. It aims to investigate, in particular, whether financial behaviour moderated the impact of financial technology and literacy on financial inclusion (FI). This study utilised SCT, TAM, and TPB theories to propose hypotheses. The research collects the required information from the residents of Mathura city in Uttar Pradesh (<i>n</i> = 621). The relationships among the variables were examined using structural equation modelling (SEM). According to the study’s findings, financial technology and financial literacy both have a statistically significant positive impact on the expansion of financial inclusion. Financial behaviours were also found to moderate the association between financial technology &amp; inclusion, as well as the connections between financial literacy &amp;inclusion.</p>