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VOL. 12, ISSUE 3 (2026)
Reimagining financial inclusion in India through digital public infrastructure and artificial intelligence: pathways to Viksit Bharat 2047
Authors
Vikas Kumar Jha
Abstract
India’s financial inclusion landscape is undergoing a significant transformation with the convergence of Digital Public Infrastructure (DPI) and Artificial Intelligence (AI), creating new opportunities to advance inclusive economic development towards the national vision of Viksit Bharat 2047. This study examines the role of Digital Public Infrastructure (DPI) and Artificial Intelligence (AI) in reshaping financial inclusion in Indiaand advancing the vision of Viksit Bharat 2047. The study adopts a descriptive and analytical research design and employs a qualitative research approach based on secondary sources of information. the findings indicate that DPI has established a strong digital foundation for extending formal financial services, while AI is emerging as an important enabler for making these services more data-driven, efficient, accessible and responsive. The convergence of these technologies is therefore reshaping India’s financial inclusion by moving beyond basic access towards more meaningful and inclusive financial participation. The study also highlights several challengesto the inclusive adoption and effective use of these technologies and suggests strategic pathways for strengthening DPI- and AI-enabled financial inclusionin India. The study provides useful insights for policymakers, regulators, financial institution, and other stakeholders to build a more inclusive, responsible, and resilient financial ecosystem towards the long-term vision of Viksit Bharat 2047.
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Pages:483-488
How to cite this article:
Vikas Kumar Jha "Reimagining financial inclusion in India through digital public infrastructure and artificial intelligence: pathways to Viksit Bharat 2047". International Journal of Commerce and Management Research, Vol 12, Issue 3, 2026, Pages 483-488
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