The Self-Help Group (SHG) model is a community-based approach to microfinance where 10–20 women voluntarily form a group to save regularly, create a common fund, and provide small loans to each other. Over time, the group develops financial discipline and collective decision-making skills. Once stable, the SHG is linked to banks for larger credit, enabling members to access loans without collateral. This model not only promotes savings and financial inclusion but also empowers women socially, giving them confidence to participate in household decisions, community development, and local governance.

The primary objective of this study is to examine the impact of digital technology on the functioning and performance of Self-Help Groups (SHGs) and to assess its contribution to women's financial inclusion and socio-economic empowerment in Dadri Block, Gautam Buddha Nagar, Uttar Pradesh. The study also identifies the major challenges faced by SHG members in adopting digital technologies.

The study is based on primary data collected from women SHG members through a structured questionnaire developed using Google Forms. and supported by relevant secondary sources. It evaluates the extent of digital technology adoption, including mobile banking, Unified Payments Interface (UPI), digital financial services, social media, and online communication platforms, and analyses their impact on SHG performance and women's empowerment. The study also identifies the major challenges faced by SHG members, such as digital illiteracy, inadequate internet connectivity, cybersecurity concerns, and limited access to smartphones.

Secondary data were obtained from government reports, journals, books, and official publications. It assesses the use of digital technologies in banking.