A Dissertation Submitted in a Partial Fulfilment of the Requirements for Award of the Degree of Master of Business Administration in Corporate Management (MBA-CM) of Mzumbe University.The primary objective of this study was to understand the effects of digital banking initiatives on financial inclusion in commercial banks in Tanzania, with a special focus on initiatives like internet banking, agency banking and mobile banking. The specific objectives of the study were therefore to understand how each of these initiatives influence or have an impact on the growth of financial inclusion in Tanzania. For the methodology, the researcher used survey questions and interviews to collect data from 120 sample respondents who were the customers of the case study financial services providers, namely, CRDB, NMB and NBC. The researcher used regression analysis to assess the relationship that exists between the independent variables (mobile banking, internet banking and agency banking) and the dependent variable, which is financial inclusion. From the analyzed data, it was observed that internet banking did not significantly influence financial inclusion, agency banking significantly influenced financial inclusion and lastly mobile banking significantly influenced financial inclusion. The study discovered that the more the banks invest in the digital banking such as mobile banking and using of banking agency its influence to use the formal financial services such credit, insurance, saving, receiving and sending money which increase the banking transaction and this lead to increase the financial inclusion in the country for the economic development. All in all, the innovation of technology which led to introduction of digital banking has big impact to thewell-being of people by increasing the use of financial services that bring the impact to the Tanzania economy and reduce the poverty in the society