A Study of the Multidimensional Effects of Digital Financial Inclusion: A CiteSpace-Based Literature Review

This study comprehensively analyzes the current state and focal points in the research domain of digital financial inclusion impacts using CiteSpace software, examining 482 key documents from Web of Science (WoS) and Scopus from 2018 to 2024 as samples. The findings reveal that the research focal points of digital financial inclusion are closely linked to national policy development, with key topics examining the diverse effects of digital financial inclusion on economic development, technological innovation, rural revitalization, and green finance. An academic network has begun establishing a framework centered on key scholars and institutions. However, the overall cooperation density remains low, and there is a notable deficiency in international collaboration. Simultaneously, the research exhibits specific limitations. Most research on digital financial inclusion focuses on macro-level effects, lacking personalized micro-level studies. Furthermore, most investigations concentrate on short-term outcomes, while evaluations of long-term impacts and potential risks remain inadequate. Future research may investigate the mechanisms via which digital financial inclusion affects several dimensions, encompassing its influence at the micro-level, risk management, and regional application disparities, to foster reciprocal advancement of theory and practice.

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Publication Details

Journal
International Journal of Economics and Financial Issues
Published
2025-08-25
DOI
https://doi.org/10.32479/ijefi.19827
Primary Topic
FinTech, Crowdfunding, Digital Finance
Type
article
Field-Weighted Citation Impact
0.00
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article

A Study of the Multidimensional Effects of Digital Financial Inclusion: A CiteSpace-Based Literature Review

Azilawati Banchit, Faridah Najuna Misman, Yao Yang, Nur Afizah Muhamad Arifin
International Journal of Economics and Financial Issues
FinTech, Crowdfunding, Digital Finance
article

A Study of the Multidimensional Effects of Digital Financial Inclusion: A CiteSpace-Based Literature Review

Azilawati Banchit, Faridah Najuna Misman, Yao Yang, Nur Afizah Muhamad Arifin
article en

Abstract

This study comprehensively analyzes the current state and focal points in the research domain of digital financial inclusion impacts using CiteSpace software, examining 482 key documents from Web of Science (WoS) and Scopus from 2018 to 2024 as samples. The findings reveal that the research focal points of digital financial inclusion are closely linked to national policy development, with key topics examining the diverse effects of digital financial inclusion on economic development, technological innovation, rural revitalization, and green finance. An academic network has begun establishing a framework centered on key scholars and institutions. However, the overall cooperation density remains low, and there is a notable deficiency in international collaboration. Simultaneously, the research exhibits specific limitations. Most research on digital financial inclusion focuses on macro-level effects, lacking personalized micro-level studies. Furthermore, most investigations concentrate on short-term outcomes, while evaluations of long-term impacts and potential risks remain inadequate. Future research may investigate the mechanisms via which digital financial inclusion affects several dimensions, encompassing its influence at the micro-level, risk management, and regional application disparities, to foster reciprocal advancement of theory and practice.

International Journal of Economics and Financial IssuesVol. 15(5)
Universiti Teknologi MARA (MY)
Openalex Percentile: Top 63%
FinTech, Crowdfunding, Digital Finance
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