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Journal of Information and Optimization Sciences

(Since 1980)
Hybrid ·Peer-reviewed·ISSN (Online): 2169-0103·ISSN (Print): 0252-2667

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Monthly Journal: Publishes theoretical and applied research on topics in information and optimization sciences.

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Journal of Information and Optimization Sciences
Open Access Research Article

Digital financial inclusion for rural women : Challenges and opportunities for sustainable development

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pp. 2719–2734Vol. 46Issue 8November 2025DOI: 10.47974/JIOS-2094XML
Received:
05 Feb 2025
Published Online:
29 Nov 2025
Article type:
Research Article
Language:
EN
Article no.:
JIOS-2094
Pages:
2719–2734

Abstract

Digital financial inclusion plays important role in advancing the rural women economic empowerment by granting access to essential financial services through technology. Despite progress in digital infrastructure, rural women in Rajasthan continue to encounter numerous obstacles such as limited digital literacy, scarce availability of mobile devices and the internet, and societal barriers. Digital financial services offer a transformative opportunity to enhance women’s independence and financial engagement. The study delves into how tools like microfinance, banking facility accessibility via mobile phone, and digital payment systems can uplift rural women economically and contribute to sustainable development. By enabling access to savings, insurance, credit, and payment services, the study underlines how digital finance can drive empowerment. It also examines how community-driven strategies, policy innovation, and technological progress can further assist rural women. Noteworthy strides have been made through initiatives by government such as Digital India initiative. Projects like BharatNet aim to provide high-speed internet to rural regions and integrate digital finance within Self-Help Groups (SHGs). Financial inclusion is key to sustainable development, supporting gender equality, poverty reduction, and economic resilience[1]. Digital financial inclusion ensures rural women can actively take part in economic processes [12], fostering inclusive growth and adhering to the UN’s sustainability framework [2]. The paper come to the conclusion with practical recommendations for policymakers, financial service providers, and civil society to craft inclusive digital financial solutions that reflect the unique needs and constraints of rural women.

Keywords

Digital financial inclusionRural womenFinancial empowermentFintechSustainable developmentDigital literacy

Subject Classifications

91B0262P2591B06

References

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