This Study examined the influence AI-enabled fraud detection and AI-enabled personalised banking automation on advancement of financial inclusion in the Southwest Region of Nigeria. While most studies have largely examined artificial intelligence independently, to the neglect of an empirical investigation on AI’s impact on financial inclusion especially in the rural context of Nigeria. Survey method was employed in determining how AI-enabled fraud detection and AI-enabled personalised impact financial inclusion in Southwest Nigeria. The result of the standardized beta coefficient (-0.064; P-value>0.05) shows the probability of having T-statistic as large as 1.187 in absolute value is above 0.05 level. Further insight indicates a positive relationship between AI-enabled personalised banking automation and financial inclusion such that improvements in AI-enabled personalised banking automation will translate to a proportionate positive impact on financial inclusion.