The Fulanis constitute a large part of the ethnic groups in Northern Nigeria and the sub-Saharan African region and are very economically resourceful. Unfortunately, recent narratives about the Fulanis in Nigeria focus primarily on the various crises they have been involved in and less on their economic resourcefulness. The scenario has robbed Indigenous Fulani women who persistently get less stakeholders’ attention on issues relating to how they can benefit from financial inclusion programs. Our observation shows that the scenario has grievously affected indigenous Fulani women who live in indigenous Fulani communities in Northern Nigeria and has led to their financial exclusion. Their exclusion persists even though many Islamic banks have sprung up in northern Nigeria, whose mandates include deepening financial inclusion among the rural and indigenous populations. Therefore, our study was conducted to expose the factors influencing the financial inclusion of Indigenous Fulani women in Northern Nigeria despite the growth in the number of Islamic banks established to promote financial inclusion at the grassroots level. The study adopts the qualitative case study research method and used two indigenous Fulani communities located in the Yola metropolis, Yola, Adamawa State, Nigeria as case study Fulani communities. Twenty indigenous Fulani women participated in the study. The study findings show how socio-technical factors, individual-level factors, and context-based factors hinder indigenous Fulani women from benefiting from financial inclusion programs of Islamic banks. The socio-technical factors include the physical location of Indigenous Fulani settlements, mobile phone ownership, and government policies. Individual-level factors include digital literacy level and bank account ownership. Context-based factors are telecommunication penetration, the presence of Islamic banks, and digital economy expansion. The study contributes to the ongoing discourse on the financial inclusion of the indigenous peoples and underscores the social arrangements required to improve financial inclusion among the indigenous peoples.