Impact of Digital Finance on rural households’ financial behaviour in 2025

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Assessment reveals digital finance boosts usage in rural India but gaps in connectivity exist, suggesting targeted policies are needed.

Digital finance improves financial behaviour among rural households, yet connectivity issues persist in regions like Bihar and Uttar Pradesh.
In 2025, smartphone ownership rose significantly, with UPI and digital wallets becoming increasingly popular in rural economies.
Analysis includes data from government surveys and fintech reports, indicating the influence of initiatives like PMGDISHA and BharatNet.
Further investments in infrastructure and digital literacy are essential to enhance financial inclusion and trust in digital platforms.

Kenia et al. (2025) studied this question.

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