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Women in Fintech: As Leaders and Users
Author:
Purva Khera
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,
Ms. Sumiko Ogawa
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Ms. Ratna Sahay
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Mahima Vasishth
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Series:
IMF Working Papers
Volume/Issue:
Volume 2022: Issue 140
Language:
English
Publication Date:
15 Jul 2022
DOI:
https://doi.org/10.5089/9798400215384.001
ISBN:
9798400215384
ISSN:
1018-5941
Pages:
30
Keywords:
Firm Performance; Women Leaders; Digital Financial Inclusion; Financial Literacy; Digital Literacy; women leader; share of firm; C. gender gaps; Fintech firm; Women; Gender inequality; Financial inclusion; Gender diversity; Fintech; Middle East and Central Asia; Digital financial services
Legal-disclaimer:
IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.
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While digital financial services have made access to finance easier, faster, and less costly, helping to broaden digital financial inclusion, its impact on gender gaps varies across countries. Moreover, women leaders in the fintech industry, although growing, remain scarce. This paper explores the interaction between ‘women’ and ‘fintech’ by examining: (i) the role of women leaders on firm-level performance in the fintech industry; and (ii) the determinants of gender gaps in the usage of digital services to better understand the cross-country differences. Results indicate that greater gender diversity in the executive board is associated with better performance of fintech firms.With regard to determinants of the gender gaps in the usage of digital financial services, we find that higher financial and digital literacy of women is associated with lower gender gaps in digital financial inclusion, and that socio-cultural factors also play a key role.
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Cover IMF Working Papers
IMF Working Papers
ISSN:
1018-5941
Publisher:
International Monetary Fund