The Role of E-commerce and Digital Financial Services in Expanding Economic Opportunities for Rural Households in Central and Eastern Visayas, Philippines

Abstract

This study examines the transformative impact of e-commerce and digital financial services on rural households in Central and Eastern Visayas, Philippines, where limited access to financial and commercial platforms constrains economic engagement. By analyzing income generation, financial inclusion, and resilience, the research assesses how digital access can reduce the economic gap between rural and urban regions. Using mixed methods, it identifies barriers like low digital literacy and infrastructure limitations. Findings suggest that enhancing access to digital platforms significantly improves market reach, reduces transaction costs, and strengthens community resilience, providing actionable insights for sustainable rural development.