<![CDATA[This study aims to whether the effect of the digital financial inclusion index on economic growth in countries with above-average education levels and below-average education levels. This study is a descriptive quantitative with using secondary data collected from Global Findex, World Development Indicators, and United Nations Development Programme (UNDP). This study covers a population of 122 countries worldwide. Data analysis technique used regression analysis with the Ordinary Least Squares (OLS) method. The results of this study prove that (1) digital financial inclusion has a positive and significant effect on economic growth in countries above-average education levels, with a stronger impact (2) digital financial inclusion has a positive and significant effect on economic growth in countries below-average education levels though with a relatively weaker effect. The findings of this study indicate that equal access to and the use of digital financial services, supported by education levels can drive equitable and long-term economic growth.]]>
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