Abstract
This study investigates the factors that have the highest effects on financial inclusion in Oman. To achieve this, a survey questionnaire employing selective sampling was conducted at Al-Buraimi governorate to examine the moderation effect of gender, age and level of education among other relevant variables on financial inclusion in Oman. The results show that the younger generation were more likely to be financially excluded compared to the well-off participants and that financial literacy is significantly moderated by age, gender and employment status. The study made a huge contribution in the endeavor of enhancing financial inclusion in Oman by depicting the importance of social influence, which would assist bank managers and financial marketers as it largely dictates the choice of the type of the bank that a customer would choose in Oman.
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