Abstract
This article discusses a few concerns related to digital finance, a topic that hasn't received much critical attention in the literature. Despite the fact that digital finance and financial inclusion have many benefits for the consumers and the policy makers for the economic growth of the nation, there are still concerns in implementation of digital financial services for the people, businesses, and governments. The article's discussion of digital finance challenges is pertinent to ongoing discussions and national-level initiatives aiming to increase financial inclusion through banking, use of smartphones in the developing and emerging economies.
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