As the global digital economy develops rapidly, digital inclusive finance, being a new product combining Internet information technology and traditional finance, has emerged and gradually integrated into people's daily life, exerting a far-reaching impact on the consumption level of the population. With the advantages of optimizing the distribution of financial resources, improving the convenience of payment, and alleviating liquidity constraints, digital inclusive finance has promoted the enhancement of the residents' consumption level and become an important force in promoting consumption upgrading and assisting economic growth with high level of quality. In an attempt to deeply investigate the specific mechanism of the role of digital inclusive finance on residential consumption level, this paper conducts a study on the panel data of 31 provinces in China during 2011-2022, and the finding shows that digital inclusive finance has a remarkable facilitating role on the level of residents' consumption, especially in the rural and western regions. On this foundation, this article puts forward targeted suggestions to further improve the level of residents' consumption and optimize the financial system, so as to promote the continuous and healthy economy growth.

Liu Xiwei. A study of the influence of digital financial inclusion on the level of consumption of the population. Academic Journal of Business & Management(2025), Vol. 7, Issue 4: 90-97. https://doi.org/10.25236/AJBM.2025.070411.

[1] Qin Chi. Research on the impact of digital inclusive finance on the quality of China's residents' consumption[J]. National Circulation Economy,2025,(01):169-172.

[2] Zhang Wei, Huang Ziqi. Research on the impact of digital inclusive finance on rural residents' consumption resilience[J]. Financial Development Research,2024,(08):55-64.

[3] Kuai Xiaoming, Li Feng. Research on the impact of digital inclusive finance on rural residents' consumption[J]. Shanxi Agricultural Economics,2024,(17):187-194.

[4] Huang Wen, Fang Zong. Mechanism and Effect Analysis of Digital Inclusive Finance on Residents' Consumption--Taking Anhui Province as an Example[J]. Journal of Heilongjiang Engineering Institute,2024,38(05):52-57+67. 

[5] Yin Huifang, Zheng Yaxin. Research on the impact of digital inclusive finance on residents' consumption[J]. Journal of Yuncheng College,2025,43(01):68-75.

[6] Liu Mei, Cao Wenting. Research on the impact of digital inclusive finance on China's consumption-based economic growth[J]. Regional Financial Research,2024,(07):21-31.