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June 15, 2026Journal of Accounting and Finance in Emerging EconomiesOpen Access

Digital Financial Literacy as a Catalyst for Financial Inclusion: A Comprehensive Systematic Literature Review and Future Research Agenda

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Authors

UPUmair ParachaZPZainab ParachaMSMuhammad Sadiq Shahid

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Overview

Systematic literature review explores digital financial literacy's role in enhancing financial inclusion globally, suggesting actionable implications.

Key Points

  • This systematic literature review aims to examine how digital financial literacy serves as a catalyst for financial inclusion worldwide.
  • Followed the PRISMA 2020 protocol for systematic literature review
  • Reviewed 1,200 peer-reviewed studies from Scopus and Web of Science between 2001 and 2025
  • Conducted bibliometric analysis using VOSviewer, creating maps of co-authorship and keyword relationships.
  • Digital financial literacy is identified as a strong independent driver of financial inclusion across varied contexts.
  • Research on digital financial literacy is interconnected with themes such as mobile money and sustainable finance.
  • Concludes with recommendations for national DFL programs and financial literacy tools aligned with ESG priorities.

Cite This Study

Paracha et al. (2026) studied this question.

synapsesocial.com/papers/6a2f95b4a1cfeec490827a2bhttps://doi.org/10.26710/jafee.v12i1.3762
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