Financial inclusion is considered a driver for inclusive economic development, through promoting investment, entrepreneurship, employment, education and healthcare. Therefore, it can reduce income inequality and poverty, and empower women in order to achieve inclusive economic development. Yet, 31%, or 1.7 billion, of the global adult population are financially excluded, six percent of which cited religious reasons for their exclusion. However, Islamic finance, which has recently gained prominent acceptance across the globe, is considered a viable method to promote financial inclusion, especially amongst developing economies, such as Nigeria. Despite this development, the impact of compliance with Islamic finance principles and the use of Islamic finance products on enhancing access to formal financial services remains unexplored in the Nigerian context. Therefore, this study seeks to investigate the influence of individual perceptions on the use of Islamic finance products, and the impact of Islamic finance in enhancing financial inclusion in Nigeria. The study employed both qualitative and quantitative methods and used both primary and secondary data. Statistical analysis was employed using STATA. In accordance with the conceptual model of the study, the perceptions amongst adults generally indicated an influence on their use of Islamic finance products. The exception was perceived government benefits, which have a negative influence on the use of Islamic finance products, whilst the result revealed that Islamic finance products have no significant impact on financial inclusion in Nigeria.