<?xml version="1.0" encoding="UTF-8"?>
<article article-type="Research Article">
  <front>
    <journal-meta>
      <journal-id journal-id-type="publisher">journal-of-information-and-optimization-sciences</journal-id>
      <journal-title-group>
        <journal-title>Journal of Information and Optimization Sciences</journal-title>
      </journal-title-group>
      <issn publication-format="electronic">2169-0103</issn>
      <issn publication-format="print">0252-2667</issn>
      <publisher>
        <publisher-name>Taru Publications</publisher-name>
      </publisher>
    </journal-meta>
    <article-meta>
      <article-id pub-id-type="doi">10.47974/JIOS-2056</article-id>
      <title-group>
        <article-title>Harnessing digtial financial currencies for sustainable development</article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author" corresp="yes">
          <name>
            <surname>Venkatesan</surname>
            <given-names>Sharanya</given-names>
          </name>
          <aff>Department of Commerce, B. S. Abdur Rahman Crescent Institute of Science &amp; Technology, Chennai, Tamil Nadu, 600048, India</aff>
        </contrib>
        <contrib contrib-type="author">
          <name>
            <surname>Soundarapandiyan</surname>
            <given-names>K.</given-names>
          </name>
          <aff>Department of Commerce, B. S. Abdur Rahman Crescent Institute of Science &amp; Technology, Chennai, Tamil Nadu, 600048, India</aff>
        </contrib>
      </contrib-group>
      <volume>46</volume>
      <issue>8</issue>
      <fpage>2413</fpage>
      <lpage>2421</lpage>
      <pub-date date-type="pub">
        <day>29</day>
        <month>11</month>
        <year>2025</year>
      </pub-date>
      <abstract>
        <p>Recently, advancements in technology have enabled the emergence of Digital financial currencies by exploring global finance by enhancing financial inclusion, economic efficiency, and transparency. This new form of money has proved to be effective in achieving a range of the United Nation Sustainable Development Goals. This report assesses the impact that digital currencies have on sustainable development goals by looking into the steps taken by the unbanked population in the digital age. The aid provided through cross-border remittances is almost non-existent, however, the decentralized financial systems can easily spur socio-economic development, assist in the advancement of small and medium enterprises, and enhance prosperity across the globe. This article sets out the premise that well-constructed digital financial policies, when paired with effective regulations, can profoundly increase the development and growth of countless economies while forwarding the objectives of social welfare.</p>
      </abstract>
      <kwd-group>
        <kwd>Digital finance</kwd>
        <kwd>Sustainable development goals</kwd>
        <kwd>Digital financial currencies (DFCs)</kwd>
        <kwd>Decentralized finance (DeFi)</kwd>
        <kwd>Central bank digital currencies (CBDCs)</kwd>
      </kwd-group>
      <custom-meta-group>
        <custom-meta>
          <meta-name>access</meta-name>
          <meta-value>open</meta-value>
        </custom-meta>
        <custom-meta>
          <meta-name>retracted</meta-name>
          <meta-value>no</meta-value>
        </custom-meta>
      </custom-meta-group>
    </article-meta>
  </front>
</article>
