From Fragmentation to Coupling: Leveraging Entrepreneurial Vitality to Synchronize Digital Inclusive Finance with Rural Revitalization

The entrepreneurial ecosystem theory posits that regional development emerges from synergistic interactions among entrepreneurs, institutions, and markets. This study positions entrepreneurial vitality as the core catalyst synchronizing digital inclusive finance (DIF) with rural revitalization—two systems often advancing in isolation, leading to unbalanced rural development. Using a coupling coordination degree model and provincial panel data from China (2011–2020), we demonstrate that entrepreneurial vitality significantly strengthens DIF–rural revitalization coupling coordination, following a nonlinear threshold pattern. Coordination gains accelerate only after vitality passes empirically identified critical levels, explaining persistent regional disparities in coupling coordination. Furthermore, the vitality–coordination link is moderated by technological infrastructure, organizational electronic commerce (e-commerce) engagement, and regional economic development, as outlined by the Technology–Organization–Environment framework. Framing DIF as an e-commerce-related ICT input, this paper advances the entrepreneurial ecosystem, e-commerce, and ICT-for-development (ICT4D) literature by revealing the threshold-driven nature of resource coordination in rural contexts. The findings offer a contextualized framework for catalyzing balanced and inclusive rural development in emerging economies.