The Impact of Digital Financial Inclusion on Sustainable Economic Growth: A Comparative Analytical Study

This study aims to analyze the impact of digital financial inclusion on achieving sustainable economic growth through a comparative analytical study of a group of countries that have experienced varying levels of development in digital financial technologies during the period (2018–2025). The importance of the study stems from the growing reliance on digital financial services as a key mechanism for promoting financial inclusion and achieving sustainable development goals. The study employs both descriptive-analytical and econometric approaches using Panel Data analysis to examine the relationship between digital financial inclusion indicators and sustainable economic growth indicators. Digital financial inclusion is measured through three dimensions: access to digital financial services, usage of digital payment systems, and the quality of digital infrastructure. Sustainable economic growth is measured through GDP per capita, employment indicators, energy efficiency, and carbon emission reduction. The findings reveal a statistically significant positive impact of digital financial inclusion on sustainable economic growth. However, the magnitude of this effect varies across countries according to their level of digital readiness and regulatory environment. The study recommends enhancing digital infrastructure, developing digital financial regulations, and improving digital financial literacy to ensure long-term economic sustainability.