This study aims to evaluate the link between inclusive finance and entrepreneurship creation among banking agency, with specific reference to point of sale (POS) operators in Nigeria. Therefore, the study anchored on the special agent theory of financial inclusion. The novelty of this research is the inclusion of Khan Measurement variables and methods for evaluating financial inclusion (FI), who proposed the use of the FI index to measure banking penetration, availability and accessibility of service/product and usage of banking system/technology. Another novelty is financial inclusion in the entrepreneurial paradigm, which is a model of an inclusive financial channel for startup businesses and entrepreneurship creation. This model provides a basis for financial solutions for struggling startups in agency banking. 204 copies of the questionnaire were retrieved from the respondents out of 399 distributed to POS operators and two agent banks using the Yamane statistical method. Descriptive statistics were used to analyze the questions from each variable, while regression statistical analysis was employed to test the hypotheses. The findings revealed that banking penetration has a significant positive relationship with entrepreneurship creation of services, financial products/services has a significant positive relationship with entrepreneurship creation, and usage of banking services was significantly and positively related to entrepreneurship creation among Lagos POS operators. Practical application is for POS operators and agent banks used to promote financial inclusion and job creation. Therefore, it is imperative that agency banking should provide more financial incentives to POS and mobile banking operators to encourage them to have access to funds.

and Enterprise Success: The Role of Government Policy 1. Introduction Globally SMEs plays a major role in most economies, and are considered the backbone of countries such as the United States, United Kingdom SMEs and a host of others (World Bank, 2019). SMEs are considered vital to the economy as employers and are a major contributors to economic growth; they are significant drivers of job creation, and new innovation (Roland 2018). Despite the crucial role SMEs play as employers of labour, SMEs productivity across the globe continues to be disappointing (Nesta, 2017). Two obstacles that hamper SME growth are access to finance and poor management practices (Roland 2018). SMEs have recorded unsatisfactory performance as regards contribution to GDP and employment generation in countries such as Greece, Iran, Vietnam, Nigeria and Romania. Despite this progress, the phenomenon of jobless growth combined with the world's youngest population threatens sustainability (Igwe, Onjewu, & Nwibo, 2018).In many African countries, SMEs, find it difficult to do business due to unfavourable business environment arising from hostile legal requirements, high taxes, inflation, fluctuating and unreliable exchange rates, all making it difficult to make significant profits to survive (Beck & Cull, 2014). According to the Nigerian Bureau of Statistics/Small and Medium Enterprise Development Agency of Nigeria (NBS/SMEDAN) 2012 National MSMEs collaborative study revealed that there are 17, 284,671 MSMEs in Nigeria. Oyelaran (2010) revealed that SMEs contribute approximately 1% of the country's GDP compared to 40% in Asia and 50% in the USA. This implies that there are some forces behind their low profitability in Nigeria. In Nigeria, small and medium-sized enterprises (SMEs) have been identified as the backbone of the economy and thus key drivers of economic growth. Despite their prevalence, SMEs are more vulnerable to external influences than larger companies, as they lack market power, compete on domestic markets and are often subcontractors to larger companies (Leithy, 2017). A major challenge for SMEs is to constantly improving performance in the long term in this highly competitive environment. Several SMEs have been characterized by poor performance and shutdown before their fifth year anniversary (Anichebe & Agu, 2013).