This study examined the effectiveness of mobile money services in enhancing financial inclusion in Zambia, focusing on MTN Mobile Money, Airtel Money, and ZamPay. Mobile money enables individuals without access to traditional banking to conduct transactions such as savings, transfers, and payments, helping to overcome barriers like distance, high costs, and limited financial infrastructure. A quantitative approach using structured questionnaires was applied to collect data from adult users in Livingstone District. The study adopted a descriptive cross-sectional design, with multistage sampling ensuring diverse representation. Data were analyzed statistically to identify patterns in accessibility, usage, benefits, and challenges.Findings are expected to highlight the contribution of mobile money to financial inclusion, while identifying existing gaps. The results will support policymakers and stakeholders in improving digital financial services and promoting inclusive economic participation in Zambia.