In the era of the Internet of Things (IoT), emerging technologies continue to rise. Digital technology is also in continuous development, and is gradually applied in different industries. The rise of digital inclusive finance has greatly sped up the expansion of financial markets and effectively eliminated the development barrier associated with traditional inclusive finance. However, it has not been further expanded in rural areas, and the breadth of services is more concentrated in urban areas, which restricts the growth of rural economy. Therefore, this study mainly focuses on its impact on the integration of urban and rural economies. This paper made further experimental analysis on urban-rural economic integration with data mining algorithm. According to the experimental findings, in terms of the degree of industrial integration between urban and rural areas, this algorithm performed on average 84.83% of the time compared to the traditional method’s 79.13%; the average test result of this method was 80.41% in terms of the development level of urban-rural integration, and that of the traditional method was 76.17%; in terms of economic openness, the average economic openness of this algorithm was 76.37%, while the traditional method was 73.94%. In conclusion, this algorithm can effectively promote the integrated development of urban-rural economy.
