Empowering Inclusion In The Digital Age: The Role Of Financial Literacy And Technology

Authors

  • Khushi Singh Author
  • Dr. Santanu Ray Chaudhuri Author
  • Abhijit Ghosh Author
  • Dev Kumar Mandal Author
  • Shivangi Kashyap Author

DOI:

https://doi.org/10.64252/e3mwc564

Keywords:

Financial Literacy, Digital Financial Inclusion, Fintech, Mobile Banking, Digital Payments

Abstract

The digital age has revolutionized the financial services sector, providing increased access to banking, payments, credit, and investment through digital platforms. In this context, financial literacy and inclusion have emerged as essential tools for empowering individuals to make informed financial decisions and participate meaningfully in the economy. This paper intends to explore the relationship between digital technology, financial literacy, and financial inclusion, with a focus on their role in promoting inclusive economic development. It examines how digital innovations such as mobile banking, digital wallets, and fintech applications have enabled underserved populations to access financial services previously out of reach. However, the effectiveness of these tools depends on the ability of people to understand and use them confidently. This present paper addresses these key challenges including digital illiteracy, lack of awareness, cybersecurity threats, and socio-economic disparities that limit the impact of financial inclusion. Examining the case studies and international initiatives, the research tries to develop a successful framework that combines financial education with digital access. It concludes by recommending integrated strategies that involve policy support, digital literacy campaigns, and community-based programs to build an inclusive, resilient, and digitally empowered financial ecosystem. (190 Words)

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Published

2025-07-02

Issue

Section

Articles

How to Cite

Empowering Inclusion In The Digital Age: The Role Of Financial Literacy And Technology. (2025). International Journal of Environmental Sciences, 2291-2297. https://doi.org/10.64252/e3mwc564