The purpose of this article is to offer a model framework that could be used by researchers and policymakers in implementing financial inclusion in emerging countries to reach inclusive growth by using Egypt as a core example with financial inclusion acting as an integral part of its 2030 vision to achieve the Sustainable Development Goals and a top priority on the government's agenda. Research methods include a macro analysis, both qualitative at the country level, and quantitative at the individual behavioural level implementing a series of sequential steps to analyse the challenges faced by emerging countries when implementing financial inclusion. Steps include (1) an assessment of the degree of inclusive finance to fulfil the impediment of inclusive finance through an analysis of previous literature (2) comparative analysis of various empirical tests of individual behaviour and challenges that affect the degree of inclusive finance. (3) An analysis of the progress towards collaborative efforts at various levels to achieve financial inclusion and Results convey a need for collaborative efforts towards financial inclusion to implement inclusive finance, pinpointing the gaps and challenges. The article recommends policy measures that would raise individual financial awareness robusting financial literacy, and pushing forward with the establishment of a stable and resilient financial system.