Digital financial inclusion as a driver of sustainable development: evidence from global trends and implications for emerging economies

Sabitov , Oybek, Sattoriy , Fayzullokh

Innovation science and technologiy · 2026-yil

Annotatsiya

This article examines how digital financial inclusion contributes to sustainable development inemerging economies. The study focuses on the relationship between account ownership, digital payments,gender inclusion, and broader development outcomes linked to the Sustainable Development Goals (SDGs).Drawing on secondary data from the World Bank Global Findex, the IMF Financial Access Survey, IMF analyticalwork on fintech, and UNCTAD reports on inclusive digitalization, the article analyzes recent global trendsand identifies key policy implications. The results show that account ownership and digital payments haveexpanded substantially over the past decade, particularly in developing economies. Nevertheless, persistentgaps in usage intensity, gender equality, digital infrastructure, and institutional quality constrain the broaderdevelopment impact of fintech. The article concludes that digital financial inclusion must be embedded within acomprehensive enabling environment to advance SDG-linked outcomes effectively.

Maqola ma’lumotlari
MualliflarSabitov , Oybek, Sattoriy , Fayzullokh
JurnalInnovation science and technologiy
NashriyotТошкент давлат иқтисодиёт университети
Nashr sanasi2026-05-01
Jild2
Son5
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.20138309
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.20138309 · Maqolaning asl sahifasi

Kalit so‘zlar

digital financial inclusion, fintech, sustainable development, emerging economies, Global Findex, digital payments, SDGs.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APASabitov , Oybek, & Sattoriy , Fayzullokh (2026). DIGITAL FINANCIAL INCLUSION AS A DRIVER OF SUSTAINABLE DEVELOPMENT: EVIDENCE FROM GLOBAL TRENDS AND IMPLICATIONS FOR EMERGING ECONOMIES. Innovation science and technologiy, 2(5). https://doi.org/10.5281/zenodo.20138309
GOST (OAK)Sabitov , Oybek, Sattoriy , Fayzullokh DIGITAL FINANCIAL INCLUSION AS A DRIVER OF SUSTAINABLE DEVELOPMENT: EVIDENCE FROM GLOBAL TRENDS AND IMPLICATIONS FOR EMERGING ECONOMIES // Innovation science and technologiy. – 2026. – T. 2, № 5. – DOI: 10.5281/zenodo.20138309.
MLASabitov , Oybek, and Sattoriy , Fayzullokh. “DIGITAL FINANCIAL INCLUSION AS A DRIVER OF SUSTAINABLE DEVELOPMENT: EVIDENCE FROM GLOBAL TRENDS AND IMPLICATIONS FOR EMERGING ECONOMIES.” Innovation science and technologiy, 2(5), 2026. https://doi.org/10.5281/zenodo.20138309
ChicagoSabitov , Oybek, and Sattoriy , Fayzullokh. “DIGITAL FINANCIAL INCLUSION AS A DRIVER OF SUSTAINABLE DEVELOPMENT: EVIDENCE FROM GLOBAL TRENDS AND IMPLICATIONS FOR EMERGING ECONOMIES.” Innovation science and technologiy, 2(5) (2026). https://doi.org/10.5281/zenodo.20138309
HarvardSabitov , Oybek, and Sattoriy , Fayzullokh (2026) ‘DIGITAL FINANCIAL INCLUSION AS A DRIVER OF SUSTAINABLE DEVELOPMENT: EVIDENCE FROM GLOBAL TRENDS AND IMPLICATIONS FOR EMERGING ECONOMIES’, Innovation science and technologiy, 2(5). https://doi.org/10.5281/zenodo.20138309
BibTeX
@article{sabitovoybek2026,
  title = {DIGITAL FINANCIAL INCLUSION AS A DRIVER OF SUSTAINABLE DEVELOPMENT: EVIDENCE FROM GLOBAL TRENDS AND IMPLICATIONS FOR EMERGING ECONOMIES},
  author = {Sabitov , Oybek and Sattoriy , Fayzullokh},
  journal = {Innovation science and technologiy},
  year = {2026},
  volume = {2},
  number = {5},
  doi = {10.5281/zenodo.20138309},
  url = {https://doi.org/10.5281/zenodo.20138309}
}

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