Digital financial inclusion and rural income convergence in China: Evidence from household panel data.

Educational heterogeneity (Column 2): The DFI × High Education interaction is large and highly significant ( β =0.008, SE = 0.002, p < 0.01), showing that farmers with ≥9 years of schooling (junior high completion) benefit 80% more from DFI than farmers with <9 years.

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