Digital financial inclusion has emerged as a critical area of interest in Ghana, particularly for small and medium-sized enterprises (SMEs). The rapid growth of digital technologies and increasing access to mobile banking have created opportunities for SMEs to improve their financial management and operational efficiency. The research employs a mixed-method approach combining quantitative surveys with qualitative interviews. Data was collected from a sample of 300 SMEs across various sectors in Accra, using structured questionnaires designed to assess their use of digital banking services and perceptions regarding financial inclusion. Findings indicate that while over 60% of surveyed SMEs have adopted at least one form of digital financial service, there is a notable gap in adoption rates among smaller enterprises and those operating in less lucrative sectors. This highlights the need for targeted outreach programmes to bridge this divide. The study concludes by recommending tailored interventions aimed at increasing digital financial inclusion among SMEs, particularly focusing on enhancing access and affordability of services, as well as improving awareness through educational campaigns. Recommendations include developing a comprehensive strategy that includes subsidies for mobile banking fees, training programmes for SME owners to improve their digital literacy, and fostering partnerships between government agencies and private sector entities to support digital financial inclusion initiatives.