This study investigates the potential of Central Bank Digital Currencies (CBDCs) to enhance financial inclusion in advanced economies where informal economic activity persists. Its objective is to examine how CBDC adoption is influenced by institutional, technological, and social factors, with a focus on vulnerable populations, such as women and small enterprises, often excluded from formal finance. The methodology employed is a Structured Literature Review (SLR) based on academic sources from the SCOPUS database. The findings reveal that while literature widely covers technical and regulatory aspects of CBDCs, it insufficiently addresses their implications for informal sectors, gender equity, and culturally specific adoption dynamics. The originality of this research lies in addressing the current gap in empirical studies within developed countries, where economic informality persists despite an advanced digital economy. Although several pilot programs exist globally, there is a lack of analysis on how CBDCs could be designed to respond to these specific socio-economic conditions. Future research should focus on designing inclusive CBDCs that respond to local socio-economic realities and improve access to credit, payments, and formal financial systems.