Although most developing countries place less emphasis on financial inclusion, integrating small-holder farmers into agricultural commercialisation is important for agriculture's contribution to economic growth and thus enhancing financial inclusion. As
a result, this study investigates factors influencing financial inclusion and their impact on the agricultural commercialisation of bananas in the Gamo Zone of southern Ethiopia. Both descriptive and inferential statistics, as well as econometric models, were used to analyse cross-sectional data collected from 378 banana producer households. According to the findings, banana producer farmers are ten times more commercialised than financially excluded banana farmers. The logit model results show that the variables age,
education, annual income, and financial literacy all have a positive and significant effect on financial inclusion. The variable "gender" indicates that it has a negative and significant relationship with financial inclusion. The Tobit regression results also revealed that family size, age of household heads, annual income, farm size, government support, and financial inclusion all have a positive and significant impact on banana commercialisation. As a result, policymakers could use this result to establish new dimensions for financial inclusion and boost agricultural commercialisation. The study will also assist policymakers in utilising the opportunities available in ecosystems by identifying factors influencing the supply and demand sides.