Abstract:

Financial inclusion has become a fundamental driver of economic growth, poverty reduction, and sustainable development in developing economies. The emergence of digital banking technologies has significantly transformed financial service delivery by expanding access to banking facilities, digital payments, credit services, and investment opportunities. Simultaneously, commerce education plays a crucial role in enhancing financial literacy and preparing individuals to participate effectively in the digital economy. This review examines the relationship between financial inclusion, digital banking, and commerce education in developing countries. The study synthesizes existing literature on digital financial services, fintech innovations, educational interventions, and economic development. Findings indicate that digital banking has substantially improved access to financial services while reducing operational costs and increasing economic participation. However, challenges such as inadequate infrastructure, cybersecurity risks, digital illiteracy, and regulatory barriers continue to limit financial inclusion efforts. Commerce education emerges as an important tool for developing financial awareness, digital competencies, and entrepreneurial capabilities. The review highlights opportunities, challenges, and policy recommendations for achieving inclusive and sustainable financial development in emerging economies.