This research delves into the potential of digital financial inclusion to augment the economic value of coastal populations, focusing on the fisheries industry, in the Indian state—Kerala. It investigates the extent to which exposure to digital financial instruments, including mobile payment, microloans, and digital insurance, impacts economic indicators such as financial stability, access to markets, and business growth. The study points out the differences in digital financial adoption between rural and urban areas, with urban areas having higher adoption levels. The study finds that areas with higher access to digital financial services experience better market access, financial security, and business expansion. Nevertheless, issues like digital illiteracy, infrastructure deficits, and regional differences limit the mass adoption of these tools, especially in rural areas. The study emphasizes the need for focused interventions in order to bridge these gaps and achieve equitable access to digital money, thus driving inclusive and sustainable coastal fishing community economic development.