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The essay makes a judgment on the digital financial capabilities of cashew workers who are paid on a per-product basis. Digital financial services gained from financial inclusion. The capacity to conduct digital financial transactions is important for the growth of emerging economies. The digital economy is rapidly becoming the world's most significant driver of innovation, competitiveness, and growth. Despite the fact that many people have been excluded, the digital economy offers immense long-term potential to promote financial inclusion and economic progress. The CGAP defines digital financial inclusion as "the excluded and underserved population's digital access to and usage of formal financial services." In this paper, I'm attempting to examine the impact of financial inclusion on the financial competence of cashew workers in Kerala. The post provides important guidance for financial digital platform providers. [ABSTRACT FROM AUTHOR]