Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19
Understanding the determinants of digital financial service adoption and gender disparities is crucial for fostering inclusive growth. This study aims to investigate the factors influencing the shift in the usage of digital financial products and services in India with a focus on addressing the gend...
Saved in:
| Main Authors: | , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Taylor & Francis Group
2025-12-01
|
| Series: | Cogent Economics & Finance |
| Subjects: | |
| Online Access: | https://www.tandfonline.com/doi/10.1080/23322039.2024.2448574 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1841558645660188672 |
|---|---|
| author | Meenakshi P. Satish Kumar Sowjanya Shetty |
| author_facet | Meenakshi P. Satish Kumar Sowjanya Shetty |
| author_sort | Meenakshi P. |
| collection | DOAJ |
| description | Understanding the determinants of digital financial service adoption and gender disparities is crucial for fostering inclusive growth. This study aims to investigate the factors influencing the shift in the usage of digital financial products and services in India with a focus on addressing the gender divide in their adoption. The analysis is carried out through pooled logit regression and fairly decomposition technique, with the data processed through STATA-18 software. To this end, India's micro-level data were pooled from the Global Findex Database for the years 2017 and 2021, with a sample size of 3,000 for each year. The results indicate a substantial increase in nearly all forms of digital transactions since the pandemic, with notable increases in mobile usage and online banking, excluding government transfers. Additionally, socioeconomic factors, such as education, income, and workforce participation, along with the ownership of digital financial products, have significantly contributed to the adoption of digital financial products and services. Despite this increase, there has been a widening gender gap in the adoption of digital financial services over the years. This is primarily influenced by women's low literacy and low access to digital financial products. Future research could benefit from qualitative studies exploring the underlying reasons for the persistent gender disparity in digital finance usage. |
| format | Article |
| id | doaj-art-8a59f6f1c6224f52b6486fa57266a690 |
| institution | Kabale University |
| issn | 2332-2039 |
| language | English |
| publishDate | 2025-12-01 |
| publisher | Taylor & Francis Group |
| record_format | Article |
| series | Cogent Economics & Finance |
| spelling | doaj-art-8a59f6f1c6224f52b6486fa57266a6902025-01-06T07:51:39ZengTaylor & Francis GroupCogent Economics & Finance2332-20392025-12-0113110.1080/23322039.2024.2448574Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19Meenakshi P.0Satish Kumar1Sowjanya Shetty2Department of Commerce, Manipal Academy of Higher Education (MAHE), Manipal, Karnataka, IndiaDepartment of Commerce, Manipal Academy of Higher Education (MAHE), Manipal, Karnataka, IndiaPoornaprajna College, Udupi, Karnataka, IndiaUnderstanding the determinants of digital financial service adoption and gender disparities is crucial for fostering inclusive growth. This study aims to investigate the factors influencing the shift in the usage of digital financial products and services in India with a focus on addressing the gender divide in their adoption. The analysis is carried out through pooled logit regression and fairly decomposition technique, with the data processed through STATA-18 software. To this end, India's micro-level data were pooled from the Global Findex Database for the years 2017 and 2021, with a sample size of 3,000 for each year. The results indicate a substantial increase in nearly all forms of digital transactions since the pandemic, with notable increases in mobile usage and online banking, excluding government transfers. Additionally, socioeconomic factors, such as education, income, and workforce participation, along with the ownership of digital financial products, have significantly contributed to the adoption of digital financial products and services. Despite this increase, there has been a widening gender gap in the adoption of digital financial services over the years. This is primarily influenced by women's low literacy and low access to digital financial products. Future research could benefit from qualitative studies exploring the underlying reasons for the persistent gender disparity in digital finance usage.https://www.tandfonline.com/doi/10.1080/23322039.2024.2448574Digital financial inclusionCOVID-19gender dividepooled logistic regressionFairlie decomposition techniqueEconomics |
| spellingShingle | Meenakshi P. Satish Kumar Sowjanya Shetty Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19 Cogent Economics & Finance Digital financial inclusion COVID-19 gender divide pooled logistic regression Fairlie decomposition technique Economics |
| title | Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19 |
| title_full | Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19 |
| title_fullStr | Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19 |
| title_full_unstemmed | Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19 |
| title_short | Beyond the screen: unfolding digital finance usage through a gendered lens during and after COVID-19 |
| title_sort | beyond the screen unfolding digital finance usage through a gendered lens during and after covid 19 |
| topic | Digital financial inclusion COVID-19 gender divide pooled logistic regression Fairlie decomposition technique Economics |
| url | https://www.tandfonline.com/doi/10.1080/23322039.2024.2448574 |
| work_keys_str_mv | AT meenakship beyondthescreenunfoldingdigitalfinanceusagethroughagenderedlensduringandaftercovid19 AT satishkumar beyondthescreenunfoldingdigitalfinanceusagethroughagenderedlensduringandaftercovid19 AT sowjanyashetty beyondthescreenunfoldingdigitalfinanceusagethroughagenderedlensduringandaftercovid19 |