Digital Financial Literacy and Financial Inclusion

This dataset contains survey responses from 967 users of digital financial services collected as part of a study examining how digital financial literacy (DFL) influences financial inclusion, with trust as a mediating factor and gender as a moderating variable. The dataset includes measures of DFL conceptualised as a second-order construct comprising four dimensions: knowledge of digital financial products and services, awareness of digital financial risks, knowledge of risk control, and knowledge of consumer rights—along with validated scales for trust and financial inclusion. This dataset is valuable for researchers studying digital finance, financial inclusion, trust dynamics, gender disparities, technology adoption, and behavioural finance.