Sarkar, Kaustav K  and Chavan, Pallavi  <br/><br/>
Digital financial inclusion 

 - Economic & Political Weekly   
 - 60(16), Apr 19, 2025: p.72-81 
<br/><br/> The global advent of digital financial inclusion has +been in the form of near-universalisation of access to bank/mobile money accounts and retail digital payments. DFI in India, too, has been spearheaded by digital payments, revolutionised by its Unified Payments Interface, digital lending, and digital insurance. Using a fixed effects panel model covering the period from 2011 to 2021, economic growth, urbanisation, and digital infrastructural development emerge as the major macro-level determinants of DFI globally. Notwithstanding its promise, intra-population digital divides remain a key challenge in the path of DFI globally as well as in India. The Indian case bears out the role of micro-level, user-specific characteristics such as gender, place of residence (rural or urban) and age in influencing DFI. Going forward, strengthening the digital financial infrastructure in a targeted manner to narrow the digital divide and designing conducive policy measures for a regulated growth of the fintech sector are the ways forward. – Reproduced <br/><br/>https://www.epw.in/journal/2025/16/special-articles/digital-financial-inclusion.html<br/>