| Abstract | The rapid expansion of digital finance has transformed access to financial
services worldwide. However, significant gender disparities persist in the
adoption and usage of digital financial tools. Women, especially in
developing countries, face barriers such as limited digital literacy, social
cultural constraints, lack of access to technology, and financial exclusion.
Addressing the gender gap in digital finance is essential for achieving
inclusive economic growth, poverty reduction, and women’s empowerment.
This paper examines the causes of the gender gap, highlights the objectives
and roles of stakeholders in bridging this divide, and analysis the advantages
and disadvantages of digital financial inclusion for women. In developing
economies, digital finance has become a key driver of financial inclusion, yet
women remain disproportionately excluded from its benefits. The gender gap
in digital finance reflects broader inequalities in education, income, access
to technology, and social norms. In the Indian context, despite initiatives
promoting digital payments and financial inclusion, women’s participation
remains limited.
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