Financial inclusion remains a significant challenge in Nigeria, where a large segment of the population, particularly in rural areas, lacks access to formal financial services. This review proposes a standardized advisory services model designed to bridge the gap between financial institutions and the unbanked. The model aims to address key barriers, including low financial literacy, lack of trust in financial systems, and limited access to technology and infrastructure. By integrating financial literacy programs, digital advisory platforms, and community-driven partnerships, the model offers a comprehensive solution to expand financial inclusion in Nigeria. The review explores the demographic characteristics of Nigeria’s unbanked population and the underlying reasons for their exclusion from the formal financial system. It highlights the role of standardized advisory services in building trust and providing accessible financial education, savings, and credit opportunities. Drawing from global examples such as Kenya’s M-Pesa and India’s Jan Dhan Yojana, the model incorporates best practices for outreach and engagement. A critical component of the model is its reliance on digital and mobile technology to deliver services to underserved communities. Additionally, the review emphasizes the importance of a strong regulatory framework, with the Central Bank of Nigeria playing a key role in monitoring and enforcing standards. The model also outlines challenges to implementation, including cultural resistance, technological infrastructure gaps, and sustainability concerns. By promoting financial inclusion, this advisory services model is expected to foster economic empowerment, poverty reduction, and overall economic growth in Nigeria. The review concludes with policy recommendations, urging collaboration between public and private sectors to ensure the scalability and success of the model across diverse regions. Keywords: Financial Inclusion, Advisory Services, Nigeria, Review.
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