<p>This study scrutinizes the link between women’s financial inclusion and their decision-making autonomy within households in Bangladesh. The four household decision-making variables, such as decisions on health care, large household purchases, visits to family or relatives, and what to do with the money the husband earns, are used in this study to construct the Women’s Decision-Making (WDM) index, which is used as the primary outcome variable. The three key financial inclusion indicators —working on a paid job, using mobile financial services (MFS), and possessing a Bank account —are assumed to facilitate women’s decision-making. We use representative sample data of Bangladeshi women aged 15–49 years extracted from Bangladesh Demographic and Health Surveys (BDHS) conducted in 2017/18 and 2022 respectively. Polychoric Principal Component Analysis (PCA) is used to identify components that explain the variance of the decision-making indicators. The multiple Ordinary Least Squares (OLS) regression is used to find the linkage between the explanatory variables and the WDM. Multiple post-estimation methods are performed to find the validity of the regression estimates. In addition, the F-test, Akaike Information Criterion (AIC), and Bayesian Information Criterion (BIC) are used to check whether the financial inclusion variables significantly explain the WDM model. The final use of the quantile regression examines how the effects of financial inclusion vary across the distribution of WDM scores. Findings reveal that all three indicators significantly contribute to improving women’s decision-making autonomy in Bangladesh. Women’s paid employment substantially increases women’s autonomy. But it works far better for those belonging to the lower quantile of WDM scores. Access to mobile financial services (MFS) and Bank accounts also significantly improves women’s autonomy, with higher associations evident at the upper quantiles. The policy implications of these findings suggest that Bangladesh should improve financial infrastructures through initiating financial literacy training programs and community-based self-help groups to enhance women’s financial knowledge. Bangladesh should promote women’s ownership of bank accounts and MFS for empowering them. Addressing the barriers to women’s workforce participation is also imperative for gaining women’s empowerment. Bangladesh should design these policies, providing a particular focus on rural women.</p>