This book revolves around the extensive empirical studies carried out worldwide to uncover the intricate web of factors that shape access to and utilization of financial services. It underscores the nuanced nature of these determinants, highlighting the social, political, structural, and economic intricacies that distinguish one nation from another. In light of this, the book strongly advocates for region-specific research aimed at pinpointing the root causes of financial exclusion and devising tailored strategies to combat it effectively. The primary impetus for this research lies in the striking correlation observed in India, where financial inclusion witnessed a substantial 24% surge between 2017 and 2021, closely paralleling the rapid growth of digital payments facilitated by a diverse array of digital payment gateways. This link between financial inclusion and digital payments is of paramount importance, especially given three noteworthy trends in the Indian context. First, there's the remarkable expansion of financial inclusion driven by digital payment methods and government initiatives. This correlation is poised to revolutionize the financial landscape. Secondly, the book acknowledges the transformative role played by the coronavirus pandemic in catalyzing the digital payments industry in India, while many other sectors struggled. Lastly, India's ascent to the third position globally, after the USA and China, in the number of unicorns, is attributed partly to the growth of digital payments and increased financial inclusion. The book likely examines this intricate interplay, shedding light on the factors that foster a vibrant start-up environment and drive the emergence of unicorns in India. This research holds substantial implications for policymakers, investors, and entrepreneurs seeking to leverage India's evolving financial landscape.