According to Thorat (2006), the scope of financial inclusion includes the delivery of economic financial services, particularly, access to remittance and payment facilities, insurance services, loans, and savings by the official financial structure to those who are inclined not to be included. Sahrawat's (2010) scope of financial inclusion coincides with Thorats’ Scope of financial inclusion, however, added financial counseling and a variety of bank accounts fitting the exact needs of the clients.

b) Based on a thorough examination of the research, it is clear that characteristics such as education and religious affiliations influence financial inclusion in Ghana. The study's conceptual framework is based on Wale and Makina (2017) and Akpandar et al. (2013). This framework defines the factors of financial inclusion in Ghana, with bank account ownership serving as a representative indicator of financial inclusion.

Required: Rephrase the sentences to be free of plagiarism and grammar errors.