Formosa Journal of Science and Technology (FJST)
Vol. 5 No. 7 (2026): July 2026

A Legal Analysis of Gender Inequality in Access to Digital Financial Resources within the Regulatory Framework of Digital Financial Inclusion

Yohanna YR Watofa (STIH Manokwari Papua Barat)
Tuti Achmud Weripi (Universitas Negeri Manokwari)
Yanto Irianto (Universitas Nahdlatul Ulama Cirebon)



Article Info

Publish Date
03 Aug 2026

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

Copyrights © 2026






Journal Info

Abbrev

fjst

Publisher

Subject

Humanities Computer Science & IT Education Industrial & Manufacturing Engineering Social Sciences

Description

Formosa Journal of Science and Technology (FJST) is an open-access scientific journal that publishing full-length research papers and review articles covering subjects that fall under the wide spectrum of science and technology. FJST journal is dedicated towards dissemination of knowledge related to ...