Digital inclusive finance is a new industry generated by inclusive finance in the context of the development of big data and the Internet. The development of digital inclusive finance promotes regional innovation, while the optimization and upgrading of industrial structure and the development of financial agglomeration provide good external conditions for the development of digital inclusive finance and regional innovation. Based on panel data from 248 prefectures from 2011-2019, this paper examines the impact of digital inclusive finance on regional innovation and the moderating role of the advanced development of industrial structure and financial agglomeration in this promotion process at the prefecture level. The study finds that digital inclusive finance promotes regional innovation; in terms of the transmission mechanism of the effect, it is found that the advanced industrial structure and financial agglomeration can strengthen the promotion effect of digital inclusive finance on regional innovation. Therefore, the development of digital inclusive finance can be promoted in terms of industrial structure optimisation and attracting financial agglomeration to enhance China's regional innovation performance.