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Normative Constraints to Women’s Financial Inclusion: What We Know and What We Need to Know

This paper reviews the emerging evidence on social and gender norms and financial inclusion. Norms are increasingly recognized as a key constraint to women’s financial inclusion — one that may help explain the persistent gender gaps in a bank account and, in some regions, mobile money ownership, as well as the fact that progress toward gender equality is slowing globally. It is time to move away from gender-blind or gender-aware approaches to financial services toward a gender-transformative approach that explicitly creates gender-equal financial systems by embedding pathways for engagement on equal terms.

Centre for Financial Inclusion
The Center for Financial Inclusion at Accion (CFI) engages and challenges the industry to better serve, protect and empower clients. We develop insights, advocate on behalf of clients and collaborate with stakeholders to achieve a comprehensive vision for financial inclusion. We are dedicated to enabling 3 billion people who are left out of – or poorly served by – the financial sector to improve their lives.