Gender Lens to Digital Financial Services

Ambrose Ogwang (), Rehema Kahunde and Maya Dennis Makika

Working Papers from African Economic Research Consortium

Abstract: Using Digital Financial Services (DFS) is key to increasing income-generating capacity, managing risks, lowering transaction costs, accessing credit, and increasing savings. However, women are less likely to be active users of mobile money (25% of women compared to 38% of men), have an account with a financial institution. Similarly, only 44 percent of females used mobile money services in 2019/20 relative to 60 percent of the males in Uganda. This implies significant challenges to overcome in ensuring inclusivity in the transformation to a digital society.

Date: 2025
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Note: African Economic Research Consortium
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