Abstract
The primary objective of this study was to explore the effect of digital financial innovation in promoting financial inclusion. By adopting Mashreq al-Arabi Islamic Bank and Hammurabi Commercial Bank as a field of study. To achieve this objective, a total of (77) employees working in the two banks were selected as a sample for the study, and the researcher distributed a questionnaire form to them. The data obtained by the researcher was analyzed using the program (Spss V.22). After extracting the results, the study concluded that there is a positive and significant effect of digital financial innovation in promoting financial inclusion in Mashreq al-Arabi Islamic Bank and Hammurabi Commercial Bank. This indicates that investing in digital financial innovation represents a strategic and effective option to promote financial inclusion, as the adoption of digital financial technologies can play a vital role in promoting and developing access to financial services, and provides new possibilities to meet customers' needs and improve their financial experience.