The digital revolution has changed the landscape of finance — and the nature of how people, especially women, were able to access, manage and invest their money. The paper thematically and methodically highlights fifty Scopus-indexed, peer-reviewed studies that were undertaken between 2015 and 2025 exploring the relationship between digital investment uptake, financial literacy, empowerment, stress, contextual factors and financial health among working women. Global as well as regional empirical evidence for Asia, Europe, Africa, and North America were gathered following PRISMA 2020 and MMAT 2018, for the evaluation of the reviewed studies. The findings indicate that financial literacy is a moderating variable of technology adoption and financial well-being, and empowerment and financial stress are the mediating variables at the psychological and behavioral change process. This research suggests literacy not only leads to digital competence but also creates emotional safety, confidence, and autonomy for women investors. Similarly, our study concludes that these contacts have been affected by factors relevant to context, for example cultural trustworthiness, policy support and platform transparency. Together with the Technology Acceptance Model, Behavioral Finance Theory and Capability Approach, this paper provides an integrative conceptual model for financial literacy that translates digital accessibility into sustainable well-being. The review concludes with implications for policymakers, FinTech developers and researchers in building knowledge-centred, gender-sensitive digital finance ecosystems that are conducive to economic participation, empowerment and emotional resilience for women in emerging market and developed market worldwide