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Digital financial inclusion (DFI) narrows the gap in regional financial services, reshapes regional division of capital and labor, and enhances overall economic efficiency. Therefore, this study examines how DFI affects regional economic efficiency using Chinese provincial panel data from 2011 to 2020. The results show that DFI significantly improves regional economic efficiency measured by technical efficiency (TE), particularly by narrowing the urban–rural income gap and enhancing factor accessibility in vulnerable areas and groups. This effect is more pronounced when supported by well-developed transportation infrastructure and traditional finance and is based on a certain level of economic development. Mechanism analysis confirms that DFI promotes efficiency by stimulating entrepreneurial activity and reducing educational gap.
Guan et al. (Thu,) studied this question.
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