This study investigates the intricate relationship between financial inclusion, renewable energy adoption, and CO2 emissions reduction in a sample of N-11 countries over the period 2006-2020. Employing the pooled autoregressive distributed lag (PMG-ARDL) approach, this research addresses cross-sectional dependence, cointegration, and unit root concerns in panel data. The empirical analysis reveals noteworthy insights. Specifically, the results indicate that population growth and certain aspects of financial inclusion contribute to elevated CO2 emissions within the N-11 countries. Conversely, enhanced financial inclusion and augmented trade openness demonstrate a potential for CO2 emissions reduction. Furthermore, the findings underscore the pivotal role of renewable energy adoption in mitigating CO2 emissions. Intriguingly, the study discerns a lack of immediate policy congruence between expanding financial inclusion and leveraging renewable energy for CO2 emissions abatement. Consequently, this research advocates for an integrated approach that harmonizes financial inclusion and renewable energy strategies to effectively address climate change adaptation at the national level. Such synergy-driven strategies hold crucial implications for sustainable development in these emerging economies.