This article investigates the impact of digital inclusive finance on high-quality economic development in China, using provincial panel data from 2011 to 2021. The study employs a spatial econometric model to analyze the spatial effects of digital inclusive finance and its underlying mechanisms. Key findings include: 1. **Spatial Impact**: Digital inclusive finance significantly impacts high-quality economic development, both within provinces and in neighboring regions. 2. **Heterogeneity**: The spatial effects of digital inclusive finance vary across different dimensions, with broader digital financial coverage and deeper usage having more significant impacts. 3. **Threshold Effect**: The internet penetration rate exhibits a dual-threshold effect on the impact of digital inclusive finance. The effectiveness stabilizes after surpassing the second threshold. 4. **Mediation Effect**: Digital inclusive finance enhances high-quality economic development by promoting the transformation of consumption structure, particularly through the growth of development and enjoyment-oriented consumption. The study recommends collaborative efforts among stakeholders to promote digital inclusive finance, including enhancing public education, fostering multi-regional collaboration, and leveraging diverse avenues to drive economic growth through consumption.This article investigates the impact of digital inclusive finance on high-quality economic development in China, using provincial panel data from 2011 to 2021. The study employs a spatial econometric model to analyze the spatial effects of digital inclusive finance and its underlying mechanisms. Key findings include: 1. **Spatial Impact**: Digital inclusive finance significantly impacts high-quality economic development, both within provinces and in neighboring regions. 2. **Heterogeneity**: The spatial effects of digital inclusive finance vary across different dimensions, with broader digital financial coverage and deeper usage having more significant impacts. 3. **Threshold Effect**: The internet penetration rate exhibits a dual-threshold effect on the impact of digital inclusive finance. The effectiveness stabilizes after surpassing the second threshold. 4. **Mediation Effect**: Digital inclusive finance enhances high-quality economic development by promoting the transformation of consumption structure, particularly through the growth of development and enjoyment-oriented consumption. The study recommends collaborative efforts among stakeholders to promote digital inclusive finance, including enhancing public education, fostering multi-regional collaboration, and leveraging diverse avenues to drive economic growth through consumption.