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Banking and financial institutions are undergoing a dramatic transformation in this digital age. Despite the extended digital communications, a significant proportion of the people cannot transact financially especially in rural areas. Effective financial transactions could be made possible through skills, awareness, and attitudes to use digital tools and digital transactions tools. Therefore, digital financial literacy became more critical nowadays and is considered prerequisites and preliminary steps for people's inclusion in the financial system. The determinants of digital financial literacy focus on the socio-economic demographic factors and used ordinary least square, multiple regression model. This model determines how various independent variables, namely age, gender, income, religion, social groups, family size, marital status, educational level, occupation, etc., significantly influence the respondents' digital financial literacy. The analysis is based on the primary data with five hundred samples collected from the rural areas of Aligarh district.

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What drives rural people to use financial services and products is a critical step in the journey towards financial inclusions. The financial service providers and policymakers have engaged with this challenge by seeking insights into the socio, economic, demographic and cultural factors that prompt people to be aware and learn about financial services and products, try them out, and use them over time. The determinants of financial literacy focus more sharply on the socio-economic demographic factors, and have used ordinary least square, multiple regression model. This model determines how various independent variables namely age, gender, income, religion, social groups, family size, marital status, educational level, occupation, etc. significantly influence financial literacy of the respondents.