DIGITAL FINANCIAL INCLUSION AND ECONOMIC EMPOWERMENT OF WOMEN
Abstract
Digital financial inclusion has emerged as a transformative force in the 21st century, providing women—especially in developing economies—with unprecedented access to financial tools and services. This paper explores the intricate relationship between digital financial inclusion and women's economic empowerment. It evaluates the role of mobile banking, fin-tech innovations, digital wallets, and government-led digital financial schemes in promoting women’s participation in the formal economy. It also highlights barriers such as digital illiteracy, gender norms, and infrastructural gaps, while offering policy suggestions to make financial inclusion more gender-responsive.
Downloads
References
• Garg, N., & Singh, S. (2018). Financial literacy among youth. International Journal of Social Economics, 45(1), 173–186. https://doi.org/10.1108/IJSE-11-2016-0303
• GSMA. (2022). The Mobile Gender Gap Report. Retrieved from https://www.gsma.com
• Kabeer, N. (2001). Conflicts over credit: Re-evaluating the empowerment potential of loans to women in rural Bangladesh. World Development, 29(1), 63–84. https://doi.org/10.1016/S0305-750X(00)00081-4
• Patel, R., Saxena, B., & Schoorman, D. (2018). The transformative potential of financial inclusion in India. Journal of Financial Transformation, 46,16–25.
• Reserve Bank of India. (2023). Report on Financial Inclusion in India.
• SEWA Bharat. (2022). Digital Literacy for Women's Empowerment.
• Suri, T., & Jack, W. (2016). The long-run poverty and gender impacts of mobile money. Science, 354(6317), 1288-1292.
• UN Women. (2019). Turning Promises into Action: Gender Equality in the 2030 Agenda for Sustainable Development.
• World Bank. (2022). Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC.
Copyright (c) 2026 IJRDO - Journal of Social Science and Humanities Research

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Author(s) and co-author(s) jointly and severally represent and warrant that the Article is original with the author(s) and does not infringe any copyright or violate any other right of any third parties, and that the Article has not been published elsewhere. Author(s) agree to the terms that the IJRDO Journal will have the full right to remove the published article on any misconduct found in the published article.
