In “The Economist”, Issue 12, 2023, Zhang Yang, Mu Bo, Ding Xin, and Mu Zhengshe claimed that inclusive finance is hindered from developing to a high standard by the challenge of achieving the interaction development of “benefit” and “universal.” Studies have found that “benefit” is the foundation for “universal finance” while “universal” uses economies of scale and scope to promote “benefit,” so as to achieve interactive development. The key to achieving interactive development lies in reducing the average cost of inclusive financial products. The mechanism of digital inclusive finance is to rely on the network effect of digital platforms, non-competitive data and information, and the decentralization of digital technology to reduce the cost of customer acquisition, risk control, and transaction costs, respectively. However, digital inclusive finance continues to have service boundaries. A “triangular platform” should be established as an operational vehicle to provide facilities for the growth of digital inclusive finance.