authors
Barzan Munshed Saleh

abstract
The research investigates the obstacles encountered by digital financial services (DFS) in developing economies together with possible implementations in India and Ghana. The research applied descriptive-analytical methods to study and analyze the issues encountered by India and Ghana. The examination of previous studies and international organizations confirmed that India confronts 10 obstacles in DFS sector operation and Ghana encounters 6 such challenges. Excel analysis showed that India leads Ghana by 38% in terms of resolving digital financial service challenges in the industry. The findings led to accepting all hypotheses along with multiple suggestions that will improve DFS implementation success in both countries.