Authors: Dr Surbhi Dubey Misra
Abstract: Women entrepreneurship has emerged as a significant contributor to economic development, employment generation, and social transformation in developing economies. However, limited access to formal financial systems continues to constrain women-owned enterprises, particularly in rural and semi-urban regions. Digital finance has recently transformed the financial inclusion landscape by providing accessible, affordable, and technology-driven financial services. This study examines the relationship between access to digital finance and the growth of women entrepreneurship in India. Using a conceptual and empirical review approach, the paper analyzes how mobile banking, digital payments, fintech services, and online lending platforms influence entrepreneurial performance among women entrepreneurs. The study further identifies challenges such as digital illiteracy, cybersecurity concerns, socio-cultural barriers, and inadequate technological infrastructure. The findings suggest that digital finance significantly enhances financial accessibility, business sustainability, and economic empowerment among women entrepreneurs. The study recommends policy interventions focusing on digital literacy, fintech inclusion, gender-sensitive financial policies, and rural digital infrastructure development to strengthen women-led enterprises. The research contributes to the growing literature on financial inclusion, digital transformation, and women entrepreneurship in emerging economies.
