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@article{207346,
        author = {Dr. Mahesh Vasantrao Kombe},
        title = {Bridging the Gap: Digital Economy and Financial Inclusion as Catalysts for Viksit Bharat @2047},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {3},
        pages = {510-518},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=207346},
        abstract = {India’s aspiration to achieve developed nation status under the vision of Viksit Bharat @2047 is closely associated with its ability to leverage the digital economy while ensuring inclusive access to financial services. In recent years, the country has undergone a significant transformation in its economic and financial systems, driven by rapid digital advancements and policy initiatives aimed at expanding financial inclusion. The development of digital public infrastructure, including real-time payment systems, biometric identification, and mobile connectivity, has fundamentally improved the accessibility and delivery of financial services.
Financial inclusion has expanded considerably, particularly among underserved populations such as rural communities, women, and low-income groups. The growth of digital payment systems has reduced transaction costs, enhanced efficiency, and increased transparency. Simultaneously, fintech innovations have enabled the provision of customized financial services, including microcredit, insurance, and investment products, thereby promoting broader economic participation.
The integration of digital technologies with financial inclusion initiatives has created a robust ecosystem that supports inclusive growth. Digital platforms have improved the efficiency of government benefit distribution, minimized leakages, and strengthened accountability. These developments have contributed to poverty reduction, employment generation, and financial empowerment. However, challenges such as the digital divide, limited digital literacy, cybersecurity risks, and infrastructural gaps continue to hinder inclusive development. This study uses a descriptive and analytical approach based on secondary data to examine the relationship between digital economy and financial inclusion. The findings indicate a strong positive association between digital adoption and financial inclusion.
The study concludes that achieving Viksit Bharat @2047 requires strengthening digital infrastructure, enhancing literacy, promoting inclusive fintech innovation, and ensuring cybersecurity, supported by collaborative efforts across sectors.},
        keywords = {Digital Economy, Financial Inclusion, Viksit Bharat 2047, Inclusive Growth, Fintech, India},
        month = {August},
        }