Post-COVID Digitalization and Its Effect on Financial Inclusion: An Analytical Perspective

The comprehensive analysis suggests that the COVID-19 epidemic functioned as an exceptionally powerful catalyst for financial digitization, radically accelerating timelines and deeply shaping global financial inclusion metrics. Digital financial services experienced unprecedented growth, expanding essential access to formal financial systems via mobile platforms and remote onboarding. However, this acceleration heavily skewed toward high-income nations and urban demographics, frequently leaving rural, low-income, and marginalized communities grappling with persistent barriers like digital illiteracy, infrastructural decay, and cyber threats.

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