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Women in Fintech: As Leaders and Users

Author

Listed:
  • Purva Khera

    (International Monetary Fund)

  • Ratna Sahay

    (International Monetary Fund)

  • Sumiko Ogawa

    (International Monetary Fund)

  • Mahima Vasishth

    (University of California)

  • Ratna Sahay

    (International Monetary Fund)

Abstract

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 crosscountry 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.

Suggested Citation

  • Purva Khera & Ratna Sahay & Sumiko Ogawa & Mahima Vasishth & Ratna Sahay, 2023. "Women in Fintech: As Leaders and Users," NCAER Working Papers 146, National Council of Applied Economic Research.
    • Handle: RePEc:nca:ncaerw:146
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    File URL: https://www.ncaer.org/publication/women-in-fintech-as-leaders-and-users
    File Function: First version, 2023
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    More about this item

    Keywords

    Firm performance; Women leaders; Digital financial inclusion; Financial literacy; Digital literacy;
    All these keywords.

    JEL classification:

    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy

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