Section Article

Digital Banking and Financial Inclusion among Rural Populations
Author(s): Mr. Sheshank Rao

Abstract
This research paper investigates the role of digital banking in advancing financial inclusion among rural populations focusing on developments between 2018 and 2025. Financial inclusion has been recognized as a critical driver of poverty reduction social empowerment and sustainable development. The rapid spread of digital banking technologies—including mobile banking Unified Payments Interface (UPI) digital wallets and fintech innovations—has transformed access to financial services in rural areas. This paper explores how digital banking initiatives have contributed to expanding access reducing transaction costs and improving economic participation in rural India and other emerging economies. At the same time it highlights persistent challenges such as digital illiteracy infrastructural gaps and socio-cultural barriers that hinder inclusive growth. Drawing upon case studies government policies and scholarly research the study concludes that digital banking has made significant strides in enhancing financial inclusion but requires comprehensive policies to bridge the digital divide and sustain long-term benefits for rural communities.