Influence of Digital Financial Inclusion Policies on Household Economic Resilience in Ghana

Purpose: The purpose of this article was to analyze influence of digital financial inclusion policies on household economic resilience in Ghana. Methodology: This study adopted a desk methodology. A desk study research design is commonly known as secondary data collection. This is basically collecting data from existing resources preferably because of its low cost advantage as compared to a field research. Our current study looked into already published studies and reports as the data was easily accessed through online journals and libraries. Findings: The findings established that digital financial inclusion policies positively influence Household Economic Resilience in Ghana by improving access to savings, mobile money, remittances, credit, and other financial services. These policies enhance households’ ability to manage income shocks, maintain consumption, build financial buffers, and recover from economic difficulties. However, their effectiveness depends on financial literacy, reliable digital infrastructure, affordability, consumer protection, and equitable access to digital financial services. Unique Contribution to Theory, Practice and Policy: The capability approach, unified theory of acceptance and use of technology & institutional theory may be used to anchor future studies on the influence of digital financial inclusion policies on household economic resilience in Ghana. Financial institutions, FinTech companies, mobile network operators, and other financial service providers in Ghana should expand affordable and accessible digital financial services beyond basic money transfers. The Government of Ghana and the Bank of Ghana should strengthen policies that promote affordable, secure, interoperable, and inclusive digital financial services, particularly for rural households, women, low-income earners, and informal-sector workers.