AL-Qadisiyah Journal For Administrative and Economic sciences

Digital Financial Inclusion: A Tool for Women's Economic Empowerment (Selected International Experiences)))

Authors

Sahar Kareem Katae
Thaer Hasan Kadhim
Sundus Jassim Shuaibeth

University of Al-Qadisiyah

https://doi.org/10.33916/qjae.2025.Specialissue07479
Abstract
This research aims to highlight the role of digital financial inclusion as an effective means of enhancing women's economic empowerment, especially in developing societies. With technological advancements and the proliferation of smartphones and electronic payment services, digital financial services have become a means of facilitating women's access to financial tools such as bank accounts, financing, insurance, and payments, without the need for a physical presence in traditional financial institutions . The importance of the research lies in enabling women to manage their accounts by increasing financial and economic awareness. As a key factor in supporting growth and achieving sustainable development, with a focus is the gender gap in access to financial services. It also discusses the challenges women face in benefiting from digital financial inclusion, such as weak digital literacy, social restrictions, and lack of trust in Financial institutions . The study reviews successful models and experiences in developing countries that have used financial technology to enhance women's economic participation. It concludes that digital financial inclusion can be a powerful tool for empowering women, provided a supportive environment exists that includes awareness, digital infrastructure, and comprehensive policies .

Keywords

Digital Financial Inclusion Women's empowerment . Economic . International experiences
Crossmark
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Special 1
Winter 2026
Pages 74-79

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