Digital financial inclusion narrows the gap in regional financial services, reshapes the pattern of regional division of labor, and improves regional economic efficiency. Based on China's provincial panel data from 2011 to 2020, this paper studies the theoretical logic and effect of digital financial inclusion on regional economic efficiency. We find that digital financial inclusion significantly improves regional economic efficiency, but with the development of digital financial inclusion, regional economic efficiency will first decline and then increase under the influence of digital financial inclusion. Moreover, digital financial inclusion mainly alleviates the phenomenon of financial exclusion with the support of provincial transportation infrastructure and traditional financial development, improves the availability of factors in vulnerable areas and groups, and thus improves the overall regional economic efficiency. Then, this promotion effect is based on a certain level of economic development and traditional financial development. Finally, digital financial inclusion can improve regional economic efficiency by increasing entrepreneurial activity and narrowing the gap in educational level between regions.