Financial inclusion has received widespread attention from the international community and has become an inevitable requirement for development and accelerating its mechanisms. Sustainable economic development, especially financial development and financial inclusion, also aims to provide and maximize financial services and products for many individuals and to enhance access and optimal use by all segments of society in a quick, easy and safe way. Banking culture is closely linked to financial inclusion, and understanding banking products and services is a prerequisite for trading and using them more effectively. Therefore, the study, through its applied framework, dealt with measuring the impact of banking culture on promoting and developing financial inclusion by applying it to some ASEAN countries (Indonesia and Singapore). This is done by relying on the multiple linear regression models and using the E-views 10 statistical program. Indonesia was interested in strengthening banking culture and financial awareness initiatives, and this was evident in its success in using financial technology in all banking sectors by providing innovative technologies such as lending technology, cryptocurrencies, and technological payment systems, by providing financial technology platforms such as crowdfunding and investment platforms, and others. Singapore is one of the countries that have given great attention to supporting financial inclusion through the great efforts made by the government. Singapore has achieved remarkable progress in indicators of digital financial inclusion, which was shown by the data of the variables of the Singapore model during the study period through the development of financial technology services in all financial and banking sectors.