Exploring the Role of Mobile App Usability and Digital Literacy in Financial Inclusion

This study examines the role of mobile app usability and digital literacy in driving financial inclusion within urban populations. Utilizing Structural Equation Modelling (SEM), the research analyses the relationships between Financial Inclusion through Mobile Apps (FIM), Usability of Mobile Apps (UM), and Digital Literacy regarding Mobile Apps (DLM). Primary data was gathered from 200 urban respondents through a structured questionnaire. The findings indicate that both mobile app usability and digital literacy significantly contribute to financial inclusion, demonstrating that user-friendly mobile applications and adequate digital literacy levels enhance accessibility and adoption of financial services. The study offers valuable insights for banks, fintech firms, policymakers, and researchers by highlighting the critical factors that facilitate financial inclusion through digital platforms. Furthermore, the research provides a foundation for developing user-centric mobile banking solutions, improving digital literacy initiatives, and shaping policies that promote broader financial participation in urban areas.