As China's economic and social development enters a new growth stage, urban green transformation has gradually become an important means to promote high-quality development. In order to explore the effective methods of the impact of China's digital economy development level on the efficiency of urban green low-carbon transition, this paper, based on the statistical data of 263 prefectural-level cities in China during the period of 2012-2021, adopts Peking University's financial inclusion index as well as the five selected control variables, measures the efficiency of urban green low-carbon transition by using the SBM model and examines the impact of driving factors on urban green low-carbon transition by using the spatial Durbin lagged panel fixed-effects model. the influence of driving factors on the efficiency of green low-carbon transition in Chinese cities. It was found that: the digital economy index showed a positive correlation with urban green transition efficiency, and the corresponding positive influence coefficient was 0.523, and the influence of control variables on urban green transition efficiency showed differentiation characteristics, among which: the investment rate in environmental pollution control, the contribution rate of GDP in the service industry, and the professional investment rate in green transition showed a positive correlation with urban green transition efficiency, and the corresponding influence coefficients were 0.437, 0.304 and 0.348; the contribution rate of urban industrial GDP and urbanization level show inverse correlation with the efficiency of urban green transformation, and the corresponding inverse impact coefficients are -0.412 and -0.276, respectively. The conclusions of this paper are of great practical value for the formulation of policies to improve the efficiency of urban green transformation.