This study investigates the impact of digital inclusive finance on high-quality economic development in China, using provincial panel data from 2011 to 2021. The research employs a spatial econometric model to analyze the spatial effects of digital inclusive finance on high-quality economic development, revealing that digital inclusive finance has a significant spatial impact on high-quality economic development. The findings suggest that the effect of digital inclusive finance on high-quality economic development is heterogeneous across different dimensions of digital inclusive finance and high-quality economic development. The study also finds that the internet penetration rate has a dual-threshold effect on the impact of digital inclusive finance on high-quality economic development. Specifically, digital inclusive finance contributes to elevating the level of high-quality economic development through its role in promoting the transformation of consumption structure. The study concludes that digital inclusive finance promotes high-quality economic development by enhancing consumption structure transformation and has significant spatial effects. The research provides valuable insights for countries aiming to achieve high-quality economic development through the enhancement of digital inclusive finance. The study also highlights the importance of government support, human capital, and internet penetration rate in promoting high-quality economic development. The findings suggest that digital inclusive finance can significantly enhance high-quality economic development, but its effectiveness is influenced by the level of internet penetration rate. The study recommends that governments should enhance cooperation and exchange with neighboring regions to harness the spatial spillover effects of digital inclusive finance and improve digital infrastructure to accommodate these effects. The study also suggests that governments should allocate additional research funds for the development of digital payment software to extend the reach of digital inclusive finance to households and provide residents with greater convenience in their daily lives, thereby fostering economic development.This study investigates the impact of digital inclusive finance on high-quality economic development in China, using provincial panel data from 2011 to 2021. The research employs a spatial econometric model to analyze the spatial effects of digital inclusive finance on high-quality economic development, revealing that digital inclusive finance has a significant spatial impact on high-quality economic development. The findings suggest that the effect of digital inclusive finance on high-quality economic development is heterogeneous across different dimensions of digital inclusive finance and high-quality economic development. The study also finds that the internet penetration rate has a dual-threshold effect on the impact of digital inclusive finance on high-quality economic development. Specifically, digital inclusive finance contributes to elevating the level of high-quality economic development through its role in promoting the transformation of consumption structure. The study concludes that digital inclusive finance promotes high-quality economic development by enhancing consumption structure transformation and has significant spatial effects. The research provides valuable insights for countries aiming to achieve high-quality economic development through the enhancement of digital inclusive finance. The study also highlights the importance of government support, human capital, and internet penetration rate in promoting high-quality economic development. The findings suggest that digital inclusive finance can significantly enhance high-quality economic development, but its effectiveness is influenced by the level of internet penetration rate. The study recommends that governments should enhance cooperation and exchange with neighboring regions to harness the spatial spillover effects of digital inclusive finance and improve digital infrastructure to accommodate these effects. The study also suggests that governments should allocate additional research funds for the development of digital payment software to extend the reach of digital inclusive finance to households and provide residents with greater convenience in their daily lives, thereby fostering economic development.