Digital Financial Inclusion: Challenges and Opportunities In Rural India

The Electronic Payment System Is Adopted By The Peoplein India Changing Rapidly In India But Still In Rural Areas People Are Lacking Behind Compare To City People. According To Rural Realities & Union Budget 2022-23, The 69% Of Population Resides In Rural India. There Are Many Issues & Challenges Are Deviating In The Way Of Digital India. India’s Digital Financial Inclusion Journey Has Been Remarkable In The Last Decade And Explicitly Promoted By The Government Of India To Achieve Rural Financial Inclusion Through Their Digital India Movement, Pradan Mantri Gramin Digital Sakshrta Abhiyan (PMGDISHA)& Pradhan Mantri Jan Dhan Yojana. Reduction Of Poverty And Addressing The Challenges Of Ensuring Sustainable Income Could Become A Key Factor To Achieve An Inclusive Society. Information And Communication Technology Are Providing Access To Unbanked Population Progressively And Helping To Bring Them Into The Banking Segment. Digital Technologies Are Driving Usage And Making A Positive Impact On Livelihood Of Citizens. In This Paper Addressing The Challenges Facing & Opportunities Of Digital Financial Inclusion To Achieve An Inclusive Society In Rural. This Paper Enlists Various Challenges That Continue To Prevail In Achieving An Inclusive Society. We Have Put Forth Recommendations On Addressing The Key Challenges And Qualified The Importance Of Collaboration And Transparency Between All The Key Stakeholders To Achieve An Inclusive Ecosystem