ABSRJ 2019 Volume 10, Number 2

Financial technologies as a factor of financial inclusion of women

Gulbakhor M. Makhkamova
Tajikistan Academy of Sciences, Tajikistan

Khabibullo Saidmurodov
Academy of Sciences of the Republic of Tajikistan, Tajikistan

Abstract
The purpose of the 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. In addition, we used the methods of systematization, generalization and graphical presentation of the data to analyze the results of the survey. 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.

Keywords: financial services; gender aspect; financial inclusion; economic empowerment; technological integration

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