Conducted by PIT
, Started on 2025 -
Completed on 2025
Completed
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Digital financial services have bridged the gap between rural and urban financial services in developing
countries. In the Philippines, mobile wallet apps like GCash are not just advancing financial inclusion in
rural areas, but also leveling the playing field by providing services that were previously only available in
urban centers. This study, employing a descriptive research design, surveyed a random sample of rural
residents to assess connectivity through GCash. The findings reveal that age is the only demographic factor
with a statistically significant impact on access, usage, and perceived benefits—young users show higher
engagement and greater perceived value. Gender, education, and income had no notable influence. While
GCash has improved digital financial inclusion, challenges persist due to digital inequality, inadequate
infrastructure, and limited awareness among the population. Efforts to promote digital literacy, improve
access to smartphones and internet connectivity, simplify app design, and enhance user security are crucial
to expanding its impact. Addressing these barriers is essential to ensuring that all segments of the rural
population can fully benefit from mobile financial services.