Digital financial inclusion and women: a case study of Pix, the Brazilian instant payment system

Paula Cunha Duarte ()
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Paula Cunha Duarte: Law School

Eurasian Economic Review, 2025, vol. 15, issue 2, No 5, 379-400

Abstract: Abstract This paper has two objectives. First, it aims to analyze the regulatory framework of Pix whether and how this tool can contribute to the digital financial inclusion of women in Brazil. Second, it seeks to discuss the role of the Central Bank in developing a gender-sensitive approach regarding pix. This discussion will be framed through the lens of two key themes: (1) financial literacy and digital financial literacy; and (2) consumer protection (particularly in relation to cybersecurity issues). Based on official Brazilian and international reports, as well as the Brazilian legislative framework on the subject, the research revealed that Pix has a significant potential to enhance the digital financial inclusion of women. The research also revealed that the Central Bank, although attentive to the digital financial inclusion of Brazil’s population, has not adopted a gender-sensitive regulatory framework. Therefore, this article advocates for a change in the agenda of this financial regulator to ensure that gender-sensitive measures are implemented to advance the digital financial inclusion of women through Pix.

Keywords: Digital financial inclusion; Gender; Instant payment system; Pix; Central Bank of Brazil (search for similar items in EconPapers)
JEL-codes: G1 G2 G5 O3 (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1007/s40822-024-00300-z

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