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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
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License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 05

Published on: May 2026

IMPACT OF DIGITAL FINANCIAL SERVICES ON FINANCIAL INCLUSION IN INDIA

Nishtha Srivastava Arun Bhati Sufia Praveen Deepak Baghel Shreyansh Varshney Deepika Dedha

Department of MBA IIMT College of Engineering Greater Noida Uttar Pradesh India
DOI:https://doi.org/10.55041/ijcope.v2i5.498

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Abstract

Digital finance has transformed the global financial landscape by improving access to financial services through technology-driven platforms such as mobile banking, digital wallets, internet banking, fintech applications, and blockchain-based systems. Financial inclusion refers to providing affordable, accessible, and timely financial services to all sections of society, especially underserved populations. This review paper examines the relationship between digital finance and financial inclusion, focusing on how digital technologies reduce barriers to banking, enhance economic participation, and support inclusive growth. The paper also highlights challenges such as digital illiteracy, cybersecurity risks, inadequate infrastructure, and regulatory concerns. The study concludes that digital finance plays a significant role in promoting financial inclusion, particularly in developing economies like India, where government initiatives and fintech innovations have accelerated digital transformation.

KEY WORDS: Digital Finance, Financial Inclusion, FinTech

How to Cite this Paper

Srivastava, N., Bhati, A., Praveen, S., Baghel, D., Varshney, S. & Dedha, D. (2026). Impact of Digital Financial Services on Financial Inclusion in India. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(05). https://doi.org/10.55041/ijcope.v2i5.498

Srivastava, Nishtha, et al.. "Impact of Digital Financial Services on Financial Inclusion in India." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i5.498.

Srivastava, Nishtha,Arun Bhati,Sufia Praveen,Deepak Baghel,Shreyansh Varshney, and Deepika Dedha. "Impact of Digital Financial Services on Financial Inclusion in India." International Journal of Creative and Open Research in Engineering and Management 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i5.498.

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References


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  • •Published on: May 16 2026
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