Abstract

The rapid expansion of digital financial services in India has opened new avenues for financial inclusion and economic empowerment, especially for women entrepreneurs. This study investigates the role of digital financial literacy (DFL) in shaping the financial decision-making, investment behaviour, and business development of women entrepreneurs in the Meerut district. Using a mixed-methods approach, the research identifies key socio-demographic and behavioural factors influencing the ability of women to leverage digital tools for entrepreneurial success. Results show that higher levels of DFL are associated with improved confidence, greater financial independence, and increased participation in risk-oriented investment channels. The paper proposes targeted policy recommendations to address the structural and educational barriers women face in accessing and using digital financial services