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The Digital Divide and the Financial Inclusion of Women: Evidence From African Countries

Prince Piva Asaloko & Itchoko Montande Mwa Ndjokou Mondjeli

Economic Notes2025https://doi.org/10.1111/ecno.70013article
AJG 1ABDC B
Weight
0.50

Abstract

This article analyzes how the digital divide affects women's financial inclusion in 36 African countries from 2011 to 2022. Employing the quantile regression estimation technique, the main finding shows that the digital divide severely impedes financial inclusion. The negative finding is robust with respect to the use of women's financial inclusion sub‐indexes and alternative measures of the digital divide. The negative relationship is robust to OLS, Tobit, censored Poisson and truncated negative binomial estimators. Furthermore, we find that income inequality amplifies the negative effect of the digital divide on women's financial inclusion, whereas human capital mitigates the effect of the digital divide and improves women's financial inclusion. Above certain human capital thresholds, the digital divide no longer has a negative impact on the financial inclusion of women. Based on the quantiles, on average, about 10 years of schooling of the population is required to compensate for the unfavourable effect of the digital divide on the financial inclusion of women. Policy implications are discussed.

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https://doi.org/https://doi.org/10.1111/ecno.70013

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@article{prince2025,
  title        = {{The Digital Divide and the Financial Inclusion of Women: Evidence From African Countries}},
  author       = {Prince Piva Asaloko & Itchoko Montande Mwa Ndjokou Mondjeli},
  journal      = {Economic Notes},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1111/ecno.70013},
}

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Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

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