The transformative role of digital technology in enhancing economic inclusivity within developing countries: a scoping review

This scoping review explores how digital technology enhances economic inclusivity in developing countries. The study examines the advantages and limitations of digital platforms in finance, healthcare, education, and entrepreneurship, particularly in improving resource access for marginalized communities and enabling economic functionality. By analyzing frameworks such as the Technology Acceptance Model (TAM) and the Theory of Diffusion of Innovations, the analysis presents how digital innovations address barriers like inadequate infrastructure and economic disparities. While mobile banking, telemedicine, e-learning, and digital financial services contribute to inclusive growth, challenges such as low digital literacy and regulatory issues persist. Older citizens, in particular, require targeted support due to limited digital skills. Using case studies and cross-sector themes, the review proposes strategies to maximize digital technology’s potential in reducing poverty and advancing sustainable development. Key findings reveal that mobile banking improves savings and credit access, e-learning narrows digital skills gaps, telemedicine increases rural healthcare access, and digital platforms stimulate SME growth. However, these benefits are uneven without strong infrastructure, digital literacy, and regulatory support. The review emphasizes public-private partnerships, context-specific digital literacy programs, and comprehensive regulatory mechanisms to expand access and support inclusive economic growth.

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