Аннотация: Digital money transfers have become one of the most transformative innovations in the modern financial system. They enable faster, cheaper, and more accessible transactions for individuals and institutions worldwide. This theoretical review explores the role of digital money transfers in promoting financial inclusion and enhancing banking development. It examines how digital transfer technologies—such as mobile banking, fintech applications, and blockchain-based payment systems—have changed the dynamics of financial access, intermediation, and performance in both developed and developing economies. The review also highlights the opportunities, challenges, and policy implications of digital transformation in the financial sector. Findings suggest that digital transfers contribute significantly to financial inclusion by increasing accessibility, affordability, and efficiency of banking services, yet challenges such as digital literacy, cybersecurity, and regulatory limitations remain critical obstacles to sustainable development.