The Digital nance generated by technology empowerment profoundly affects the innovative behavior of micro-enterprises. To estimate how digital nance in uences the quantity and quality of green technological innovation, this paper introduces digital nance into endogenous economic growth model, further conducts correlation analysis with the combination of xed effects model (FE) and panel threshold model (PTM). Moreover, this paper investigates the action mechanism from the perspective of nancial constraint and nancial cost. The empirical results indicate that digital nance improves the quantity and quality of green technological innovation signi cantly. Compared with the coverage of digital nance and digital services, the impact of usage depth on green innovation accumulates dynamically superimposed in the long term. The digital nance contributes to correct the mismatch of nancial resources, further induces inclusive green innovation in the dimension of ownership, growth cycle and enterprise scale. Mechanism analysis shows that the relief of nancial constraint and the reduction of nancial cost are the main paths for digital nance to drive green technology innovation. With the different thresholds, The dynamic evolution process of green innovation driven by digital nance is characterized by " rst quantitative change and then qualitative change". This paper suggests that, the integration of technological innovation and digital nancial services needs to build an inclusive digital nancial service system, cultivate diversi ed nancial formats and improve the market environment of digital nancial services.