Vol. 7, Issue 2, Part D (2025)

Grounded in the theoretical frameworks of Financial Inclusion Theory and the Technology Acceptance Model (TAM), this study investigates the role of mobile wallets in promoting digital payments and financial inclusion in India, with a specific focus on gender-based disparities. The research comprises three key areas: access to financial services, frequency of mobile wallet usage, and levels of digital literacy. The primary data were collected through simple random sampling. The study tries to evaluate the significance of gender-based differences. Research findings indicate that while mobile wallets have generally increased financial accessibility and usage, disparities persist, particularly in digital literacy and frequency of use among female users.