Digital Financial Services for Enhanced Access and Inclusion of Marginalized Communities in India

Author(s)	Dr. Jeeja. K S, Dr. Mahija K
Country	India
Abstract	This paper investigates the transformative potential of digital financial services in fostering financial inclusion and socio-economic upliftment among marginalized populations in India. Specifically, it examines how innovations in Fintech, such as mobile payments and digital lending, address the historical deficiencies of traditional banking systems in reaching underserved demographics across India's diverse socioeconomic landscape. An exploratory research of Digital Financial Services (DFS) and how they can enhance access and inclusion for marginalised communities in India—covering current challenges, key solutions, and implementation levers was conducted. A case study approach of various digital financial services was also conducted. The study finds that, the Digital Financial Services in India, such as PMJDY, DBT, UPI, and BC Sakhi, etc., hold transformational potential to expand financial access, empower the financially excluded, and strengthen economic resilience among marginalised communities. However, the success depends on bridging infrastructure gaps, building trust through education, and designing inclusive, secure digital pathways that truly meet the needs of underserved populations.
Keywords	Digital Financial Services, financial inclusion, marginalized communities, digital infrastructure.
Field	Sociology > Banking / Finance
Published In	Volume 7, Issue 2, March-April 2026
Published On	2026-03-10

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