The article discusses how digital finance is changing the banking industry by providing access to financial services through mobile phones, computers, and the internet. The main goal is to improve financial inclusion by offering services like bank accounts, insurance, and payment options to unbanked and underbanked individuals. This allows people to save money, invest, and access credit more easily. Digital finance has made it possible for a broader range of financial services to be accessed and delivered through digital channels, such as payments, credit, savings, remittances, and insurance.