<?xml version="1.0" encoding="UTF-8"?>
<article article-type="Research Article">
  <front>
    <journal-meta>
      <journal-id journal-id-type="publisher">journal-of-statistics-and-management-systems</journal-id>
      <journal-title-group>
        <journal-title> Journal of Statistics and Management Systems</journal-title>
      </journal-title-group>
      <issn publication-format="electronic">2169-0014</issn>
      <issn publication-format="print">0972-0510</issn>
      <publisher>
        <publisher-name>Taru Publications</publisher-name>
      </publisher>
    </journal-meta>
    <article-meta>
      <article-id pub-id-type="doi">10.47974/JSMS-1515</article-id>
      <title-group>
        <article-title>Impact of digital transformation on financial inclusion and sustainable development goals : Evidence from major Indian states </article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author" corresp="yes">
          <name>
            <surname>Vellala</surname>
            <given-names>Paramsivan S.</given-names>
          </name>
          <aff>Department of Humanities &amp; Social Sciences, Institute of Technology, Nirma University, Ahmedabad, Gujarat, India</aff>
        </contrib>
        <contrib contrib-type="author">
          <name>
            <surname>Vijayan</surname>
            <given-names>T. Muthu</given-names>
          </name>
          <aff>Department of Economics, Thiruchengode, Vivekanandha College of Arts and Sciences for Women (Autonomous), Namakkal, Tamil Nadu, India</aff>
        </contrib>
        <contrib contrib-type="author">
          <name>
            <surname>Mahajan</surname>
            <given-names>Samir K.</given-names>
          </name>
          <aff>Department of Humanities &amp; Social Sciences, Institute of Technology, Nirma University, Ahmedabad, Gujarat, India</aff>
        </contrib>
      </contrib-group>
      <volume>28</volume>
      <issue>8</issue>
      <fpage>1519</fpage>
      <lpage>1531</lpage>
      <pub-date date-type="pub">
        <day>24</day>
        <month>11</month>
        <year>2025</year>
      </pub-date>
      <abstract>
        <p>India has demonstrated notable success in leveraging Digital Public Infrastructure (DPI) to advance financial inclusion and accelerate progress toward the Sustainable Development Goals (SDGs). This study examines the key determinants of DPI that influence policy outcomes across major Indian states.The findings indicate that states such as Kerala, Tamil Nadu, Karnataka, Gujarat, and Andhra Pradesh have been more effective in adopting and integrating DPI, thereby achieving stronger performance on SDG indicators. By situating India’s experience within the broader discourse on digital financial inclusion and sustainable development, this paper highlights the transformative role of DPI in fostering inclusive growth.</p>
      </abstract>
      <kwd-group>
        <kwd>Digital financial inclusion</kwd>
        <kwd>Sustainable development goals</kwd>
        <kwd>Digital public infrastructure</kwd>
        <kwd>Mobile banking</kwd>
        <kwd>Indian states</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>
