The use of financial services through a virtual platform needs Digital and Financial Literacy (DFL). This study aims to determine the elements of DFL and to see its impact on digital financial inclusion (DFI) along with highlighting the barriers that affect Digital Financial Inclusion (DFI) in the place of research. of people residing in the eastern coastal belt (Puri) of Odisha, India. The data for the study is collected from 776 respondents residing in the district of Puri, Odisha, India by framing a structured questionnaire, and structural equation modeling in partial least square (PLS) combined with bootstrap was applied to analyze and test the hypotheses of this study. The findings from the PLS-structural equation modeling (SEM) revealed that a 43.5% variance in the DFI is explained by DFL and the barriers to using the digital platform. Access, Financial Literacy (FL), and proficiency in using the account of a Digital Money Provider (DMP) are the underlying constructs of DFL. Both DFL and the items of barriers to the digital platform have a significant impact on DFI (p value< 0.05).

Digital Financial Literacy, Digital Financial Inclusion, Barriers, PLSSEM