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Digital Competence for Enhancing Financial Inclusion in FinTech Adoption: Addressing the Digital Divide
Abstract
The cruciality of financial inclusion is the key determinant of economic empowerment. Individuals, however, are continually inhibited in their engagement with financial technology solutions because they lack digital competence. This chapter examines the contribution of digital competence toward financial inclusion through FinTech uptake. It defines the basic digital skills necessary for financial technologies and reviews prevailing gaps, especially among the underserved. Socioeconomic, cultural, and infrastructural barriers to digital competence are discussed, with strategies like educational programs advocated to increase digital literacy. Improved digital competence enables individuals to navigate FinTech platforms effortlessly, reducing gaps and facilitating inclusive financial participation. A reflection is made on broader impacts on economic growth and sustainable development, with policy recommendations for digital upskilling. This chapter signals the nexus between digital competence and financial inclusion, recommending proactive steps to ensure fairness in access to FinTech.
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