FINANCIAL INCLUSION AND HOUSEHOLD ECONOMIC RESILIENCE IN THE DIGITAL BANKING ERA

Abstract

Background: Access to a digital account does not necessarily automatically translate into savings capacity, affordable liquidity, protection from shocks, or sound financial choices. Aim: The present synthesis explains how the relationship between the focal practices and household economic resilience operates in Indonesian households using mobile accounts, digital payments, savings, credit, and insurance services. Method: A structured narrative review integrates peer-reviewed research and authoritative institutional sources. Source findings is coded by mechanism, boundary condition, institutionalization risk, and practical implication. Results: The synthesis identifies six linked mechanisms: affordable account access, liquidity and emergency savings, responsible digital credit, consumer protection and redress, financial and digital capability, service reliability and trust. The inquiry indicates that outcomes depend less on nominal adoption than on institutionalization quality, governance, learning, and fit with local capacity. Conclusion: Decision makers should define the expected outcome, assign responsibility, establish a small set of auditable indicators, and revise the intervention when source findings contradicts its assumptions. Contribution: The inquiry provides a conditional framework without claiming primary data that were not collected.