A Bibliometric Analysis of Digital Financial Inclusion: Current Trends and Future Directions

Abstract This study presents a comprehensive bibliometric analysis of digital financial inclusion (DFI), examining its intellectual structure and forecasting future research trajectories. This study explores how technological innovation aligns with socioeconomic and environmental objectives by bridging traditional financial inclusion models with emerging digital paradigms. Based on 739 peer-reviewed articles indexed in the Web of Science through December 2024, co-citation and co-word analyses were conducted to uncover the field’s conceptual foundations and thematic evolution. The results identified four intellectual clusters: (1) the role of digital financial services in reducing inequality; (2) China’s digital finance experience; (3) the integration of digital finance with environmental sustainability; and (4) fintech’s role in entrepreneurship and innovation. Concurrently, co-word analysis reveals emerging themes, including technological advancements, sustainable urbanization, and inclusive economic development. This study contributes to the literature by offering an evidence-based mapping of DFI research, revealing both mature and underdeveloped areas. It also identifies conceptual gaps related to green finance, digital literacy, and regulatory governance. Practical implications for policymakers and practitioners include the design of inclusive digital ecosystems that prioritize accessibility, environmental sustainability, and financial equity. This analysis underscores DFI’s evolving role of the DFI as a systemic enabler of inclusive growth and sustainable development.