<p>This study undertook to examine the effects of digital financial inclusion on start-up businesses and self-employed entrepreneurship in Sub-Saharan Africa (SSA) while accounting for the moderating effects of institutional quality. Unlike previous studies, this study employed the Global Findex Dataset, which is a more suitable dataset to provide novel and more reliable empirical insights on the subject matter. In doing this, the study utilised four waves (2014, 2017, 2021, and 2024) of the Global Findex data, covering a panel of 21 SSA countries for the startup business model and 32 countries for the self-employed entrepreneurship model. The study adopted fixed effects and random effects panel estimation techniques guided by the results of Hausman’s tests. The results show that digital financial inclusion has a marginal positive impact on start-up businesses but exerts a negative and insignificant influence on self-employed entrepreneurship in SSA. However, the negative and insignificant impact of digital financial inclusion on self-employed entrepreneurship reversed to a marginal positive impact (significant at 10% level) when interacted with institutional quality. This, therefore, implies that the negative impact weakens with institutional quality interactions, and that digital financial inclusion and institutional quality could jointly exert a positive and significant impact on self-employed entrepreneurship if the indicators of institutional quality in SSA are strengthened significantly. The study made recommendations that include the need for countries in SSA to benchmark their institutional quality policies and frameworks to align with international best practices and standards to significantly strengthen institutions in SSA countries.</p>