The purpose of this paper is to study the use of financial technologies by women in the financial market of Tajikistan, to identify existing barriers and drivers for expanding opportunities through financial technologies to increase the level of financial inclusion of women in the Republic of Tajikistan. The main method of research is a sociological survey on the level of use of financial technologies in the Republic of Tajikistan. The levels of use of financial technologies by men and women were compared; it has been found that they vary significantly. In addition, there is a gap in the understanding and use of financial technologies depending on the place of residence (urban/rural). The expansion of digital financial services can, therefore, identify opportunities for continuation and challenges that need to be addressed in promoting women’s financial inclusion and economic empowerment.