Against the backdrop of rapid digital technology penetration

digital inclusive finance has become a crucial instrument for alleviating financial exclusion and stimulating household consumption. However

its consumption-enhancing effect is not uniformly distributed across urban and rural residents

giving rise to prominent consumption differentiation. This paper constructs a systematic review framework interpreting the logical chain linking digital inclusive finance

resident consumption behavior

and urban-rural consumption disparity. From the perspective of household financial decision-making

this study distinguishes three core mechanisms: the liquidity constraint easing channel

the income growth channel

and the payment convenience and consumption scenario expansion channel. Mechanism analysis reveals that while digital inclusive finance generally promotes consumption expenditure and upgrading

its marginal effect differs substantially between urban and rural households due to disparities in digital infrastructure

financial literacy

income stability

and consumption supply conditions. The review further sorts out heterogeneous effects of regional economic development

household income

age structure

and educational attainment. It concludes that digital inclusive finance exerts a dual influence: it narrows the absolute consumption gap by lifting rural households out of financial exclusion

yet may widen the relative gap in consumption upgrading because urban residents possess stronger digital absorption capacity. Targeted policies including rural digital infrastructure investment

differentiated financial literacy training

and rural consumption supply-side improvement are essential to fully release the inclusive effect.