“A Study on the Relationship Between Digital Literacy and Financial Inclusion through Fintech Platforms”

Technological progress has significantly reshaped the ways in which individuals manage their finances. In India, Financial Technology (FinTech) services—such as UPI, Paytm, and PhonePe—have become crucial in facilitating convenient digital payments, savings, and credit access. However, mere availability of such tools does not ensure active participation. The true benefit of FinTech depends on users’ digital literacy—their ability to operate digital platforms confidently and securely. This study investigates how digital literacy influences financial inclusion, drawing on primary data from 300 respondents representing both urban and rural regions of India. Statistical tests, including reliability analysis (Cronbach’s Alpha), correlation, and regression, reveal a significant positive relationship between these two variables. The findings suggest that enhancing digital literacy, particularly among low-income and rural communities, is essential to promote inclusive financial development in India.