Abstract
This paper explores the effects of knowledge-intensive business services (KIBS) clustering and digital financial inclusion on economic growth quality as well as their synergistic interactions. The results indicate that KIBS clustering positively impacts growth quality but excessive clustering can lead to resource competition that hinders development. Digital financial inclusion mitigates this negative effect by improving financing access, thus enhancing KIBS clustering's positive impact. The heterogeneity analysis reveals significant differences in these effects between core and peripheral cities, with smaller cities relying more on their synergistic effects for high-quality economic development.
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