Published Paper Details:

The prompt augmentation of digital payment systems has transformed the financial landscape, offering new opportunities to enhance financial inclusion, especially in developing economies. This study examines the transformative impact of digital payment systems on financial inclusion, defined as the accessible and affordable availability of formal financial services to underserved and excluded populations. In an era of rapid technological advancement, digital payments including mobile money, digital wallets, and online banking platforms are widely posited as critical tools for bridging the financial access gap. The findings indicate that digital payment systems significantly contribute to financial inclusion by enabling easier account usage, fostering savings habits, and improving access to credit and government welfare transfers. The research concludes that strengthening digital infrastructure, promoting financial literacy, and ensuring regulatory support are essential for maximizing the inclusive potential of digital payment systems.