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All Journal Formosa Journal of Science and Technology (FJST)
Yohanna YR Watofa
STIH Manokwari Papua Barat
Humanities Computer Science & IT Education Industrial & Manufacturing Engineering Social Sciences

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A Legal Analysis of Gender Inequality in Access to Digital Financial Resources within the Regulatory Framework of Digital Financial Inclusion Yohanna YR Watofa; Tuti Achmud Weripi; Yanto Irianto
Formosa Journal of Science and Technology Vol. 5 No. 7 (2026): July 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v5i7.109

Abstract

Digital financial inclusion has become a strategic approach to expand access to formal financial services and enhance economic participation. Despite technological progress, women still face unequal access to digital financial resources due to structural, socio-economic, and regulatory barriers. This study analyzes gender inequality in access to digital financial resources within the regulatory framework of digital financial inclusion and assesses how current regulations uphold equality, justice, and non-discrimination. Using a Narrative Literature Review with a normative legal approach, data were drawn from legal documents, international policy instruments, scholarly publications, and reports from organizations such as the World Bank, OECD, UN Women, and the Global Partnership for Financial Inclusion. Findings indicate persistent barriers including digital literacy gaps, limited technology access, financial capability constraints, socio-cultural limitations, and algorithmic bias. Existing regulations focus on formal equality but inadequately address substantive gender inequalities. The study concludes that gender-responsive regulations, inclusive policies, enhanced digital literacy, and stronger oversight of digital financial technologies are crucial for equitable digital financial inclusion for women
Co-Authors Tuti Achmud Weripi Yanto Irianto