The Digital Divide and the Financial Inclusion of Women: Evidence From African Countries

Prince PIVA. Asaloko and Itchoko Montande Mwa Ndjokou Mondjeli

Economic Notes, 2025, vol. 54, issue 3

Abstract: This article analyzes how the digital divide affects women's financial inclusion in 36 African countries from 2011 to 2022. Employing the quantile regression estimation technique, the main finding shows that the digital divide severely impedes financial inclusion. The negative finding is robust with respect to the use of women's financial inclusion sub‐indexes and alternative measures of the digital divide. The negative relationship is robust to OLS, Tobit, censored Poisson and truncated negative binomial estimators. Furthermore, we find that income inequality amplifies the negative effect of the digital divide on women's financial inclusion, whereas human capital mitigates the effect of the digital divide and improves women's financial inclusion. Above certain human capital thresholds, the digital divide no longer has a negative impact on the financial inclusion of women. Based on the quantiles, on average, about 10 years of schooling of the population is required to compensate for the unfavourable effect of the digital divide on the financial inclusion of women. Policy implications are discussed.

Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
https://doi.org/10.1111/ecno.70013

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:bla:ecnote:v:54:y:2025:i:3:n:e70013

Ordering information: This journal article can be ordered from
http://www.blackwell ... bs.asp?ref=0391-5026

Access Statistics for this article

More articles in Economic Notes from Banca Monte dei Paschi di Siena SpA
Bibliographic data for series maintained by Wiley Content Delivery ().