The objective of improving people's economic and living standards requires financial inclusion. To accelerate inclusivity, the government encourages the adoption of a digital pathway to Digital Financial Inclusion (DFI), so that people from different socio-economic backgrounds can be brought into the ambit of development. However, the impact of financial inclusion, even through a digital pathway, is not uniform across different sections of society. Disparity is observed with respect to use, place of residence, age and gender.  The study identifies a rural-urban divide in DFI among women in Cuttack and Khorda districts in Odisha, India. The data for the study have been collected using a structured questionnaire and Focus Group Discussions (FGDs) in both Cuttack and Khorda. For analysing the dataset, qualitative analysis is done using MAXQDA software. The findings highlight that although women in both districts are using digital financial products and services, rural respondents report partial inclusion due to factors such as dependence on family and relatives, security concerns, and restrictions on access. In contrast, urban women showed higher levels of independent use. The study also highlights the marginal presence of trans women, underscoring persistent exclusion and highlighting the necessity of taking steps beyond a binary gender approach and inclusive development in a real sense.