“…While several empirical studies (Neaime and Gaysset, 2018; Li, 2018; Bolarinwa et al ., 2021; Álvarez-Gamboa et al ., 2021; Olaniyi et al ., 2022; Aracil et al ., 2022; Essel-Gaisey and Chiang, 2022; Chaturvedi, 2022; Dong et al ., 2022) have examined the link between financial inclusion and/or financial development on poverty reduction, however, financial economics literature has not considered the role of technology in the financial inclusion–poverty nexus in Nigeria. Existing literature on financial inclusion and poverty reduction (see Li, 2018; Bolarinwa et al ., 2021; Álvarez-Gamboa et al ., 2021; Olaniyi et al ., 2022; Aracil et al ., 2022; Essel-Gaisey and Chiang, 2022; Chaturvedi, 2022; Dong et al ., 2022) and the literature on digital economy and poverty reduction (Chao et al ., 2021; Nchake and Shuaibu, 2022; Lechman and Popowska, 2022; Nguyen et al ., 2022; Xu and Zhong, 2022) suggest that the financial inclusion–poverty nexus might be contingent on other factors such as the digital economy.…”