This working paper explores the benefits of having more women agents, the challenges they face, and potential solutions to promote their participation in the DFS ecosystem.

This paper presents research findings on the key challenges women face in accessing digital financial services and the design opportunities for the financial sector, policymakers and regulators, the philanthropic sector, NGOs, and designers everywhere.

Grounded in an analysis of norms governing women’s agency, ability to enact preferences, bargaining power and financial independence, this report provides a conceptual framework to move Indonesian women from financial inclusion to empowerment.