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May 13, 2026Journal of risk and financial managementOpen Access

Digital Financial Inclusion and Gender Inequality: Structural Drivers and Financial Participation Gaps in Nigeria

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Authors

ASAbdelhalem Mahmoud ShahenMSMesbah Fathy Sharaf

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Overview

Quantitative analysis reveals education and connectivity impact digital financial inclusion in Nigeria, suggesting structural causes of gender gaps.

Key Points

  • This study aims to investigate gender gaps in digital financial inclusion in Nigeria and determine their structural drivers.
  • Analyzed data from the 2025 Global Findex survey
  • Examined digital account ownership, digital payment use, and merchant payments
  • Employed logit and probit statistical models
  • Conducted Fairlie decomposition and interaction analysis
  • Substantial gender gaps in digital financial participation observed.
  • 79-94% of gender gaps attributed to differences in digital access and socioeconomic factors.
  • Education and internet connectivity positively associated with digital financial inclusion.

Cite This Study

Shahen et al. (2026) studied this question.

synapsesocial.com/papers/6a03cbfc1c527af8f1ecfddehttps://doi.org/10.3390/jrfm19050345
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