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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.