Gender and financial inclusion: does technology make a difference?

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2022-05-19 DOI:10.1080/09718524.2022.2073323

Saibal Ghosh

引用次数: 3

Abstract

Abstract Using district-level survey data, the analysis assesses the impact of technology in fostering the financial inclusion of women in India. The findings show that women are 12% less likely to use a mobile phone while opening accounts and 9% less likely to actively use such accounts. Relatedly, account ownership and its use are less likely for women with mobile phones, especially in the post-PMJDY period. The evidence also reveals a differential impact of mobile phones on women across strata and primarily for below-poverty line respondents. The analysis suggests the need for carefully-crafted policies to address this mobile gender gap in order to further reduce the gender gap in financial inclusion.

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性别与金融包容性：技术能带来改变吗？

摘要:利用地区一级的调查数据，分析评估了技术在促进印度妇女金融包容性方面的影响。调查结果显示，女性在开户时使用手机的可能性比男性低12%，积极使用手机的可能性低9%。与此相关的是，拥有手机的女性拥有账户和使用账户的可能性较低，尤其是在pmjdy之后的时期。证据还显示，手机对不同阶层女性的影响不同，主要是对贫困线以下受访者的影响不同。分析表明，需要制定精心制定的政策来解决这一流动性别差距，以进一步缩小普惠金融领域的性别差距。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.