Abstract

Digital financial inclusion has emerged as a transformative force in promoting economic development and reducing socio-economic inequalities particularly among women in rural communities. The increasing penetration of digital technologies mobile banking digital payment platforms and government-led financial inclusion initiatives has enabled rural women to gain access to formal financial services that were previously unavailable or difficult to access. This access enhances womens ability to save borrow invest and participate actively in economic activities. Digital financial services contribute to greater financial independence increased entrepreneurial opportunities and improved household decision-making power among women. Despite significant progress challenges such as digital illiteracy inadequate infrastructure socio-cultural barriers and limited access to smartphones continue to restrict the full realization of these benefits. This study examines the relationship between digital fi