Authors - Sangjukta Halder, Renuka Deshmukh Abstract - This study scrutinizes the impact of ICT-driven financial literacy agendas in India, focusing on their role in promoting financial inclusion and enhancing governance. By leveraging digital tools such as mobile apps, online courses, and e-governance platforms, these programs have effectively increased financial literacy, particularly among underserved populations. The research highlights that while challenges such as the digital divide, language barriers, and varying levels of digital literacy persist, these programs significantly empower citizens to make conversant financial choices and participate more actively with public fiscal management. The incorporation of financial literateness into digital platforms also fosters greater transparency and accountability in governance. For the purpose of improving these programs, legislators, educators, and tech developers may benefit greatly from the insights this research offers. Additionally, it makes recommendations for future research topics to investigate the long-term effects of financial literacy programs powered by ICT on financial behaviours and governance in various socioeconomic situations across India.
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