Accelerating digital and financial inclusion

Accelerating digital and financial inclusion

<p>Accelerating digital and financial inclusion</p>

Mobile has the power to transform lives. But while access is spreading quickly, it is not spreading equally. There remains a significant gender gap in mobile phone ownership and use. It is critical that we work together to address this issue to advance women’s digital and financial inclusion for women and unlock significant commercial and socio-economic opportunities. When women thrive, societies, businesses and economies thrive.

Opportunity

Gender Equality and Empowrment icon

We have an opportunity to contribute to the achievement of
gender equality and empowerment
of all women and girls through mobile.

Supports UN Sustainable Development Goals (SDGs), particularly SDG #5 (Gender Equality)

Gender Gap in Mobile Phone Ownership and Use

Mobile can make women
more connected, safer,
and able to access services such as health and financial services.

In a GSMA study across 11 low- and middle-income countries, including both mobile phone owners and non-owners:

• 74% – 98% of women in every country said mobile phones save them time (or would save them time)

• 89% – 100% of women in every country said mobile phones help them (or would help them) stay in touch with friends and family

• 68% – 94% of women in every country reported they feel safer (or would feel safer) with a mobile phone

More Connected Safer

But there is a significant
gender gap in mobile phone ownership and use,
particularly for more transformational services like mobile internet and mobile money.

Women in low- and middle-income countries are, on average, 10% less likely to own a mobile phone than men, 23% less likely to use mobile internet and 33% less likely to use mobile money.
The gender gap is wider in certain parts of the world – e.g. women in South Asia are 28% less likely to own a mobile than men and 57% less likely to use mobile internet.

Significant Market Opportunity

Closing the gender gap also represents a
significant market opportunity
for the mobile industry and can spur economic growth.

We estimated that if mobile operators could close these gender gaps in low- and middle-income countries by 2023, this would provide an estimated additional $140 billion in revenue to the mobile industry over the next five years.

What we need

To close the mobile gender gap we need to address issues of gender equality and social norms and focus on:

Accessibility

Accessibility

including to quality network coverage, handsets, electricity, agents and formal IDs

Usability and Skills

Usability and Skills

including of handsets and services and addressing a lack of awareness and understanding

Affordability

Affordability

including handsets, tariffs, data and transaction fees

Safety

Safety and security

including addressing harassment, theft, fraud and data protection

Revelant

Revelant

of policies, content, products and services

How to get there

Our top 3 recommendations:

The Mobile Industry

The Mobile Industry

Understand your gender gap and the women in your market by conducting consumer insights research and collecting and analysing gender disaggregated data

Make women part of your business strategy including setting KPIs
to target women

Ensure your products, services, marketing and distribution consider women’s needs and the barriers they face to mobile access and use

Development Community

Development Community

Embed activities that drive women’s mobile access and use in your initiatives

Invest in research to better understand women’s mobile access and use and how to reduce the gender gap

Raise awareness of the barriers to women’s mobile access and use

Policy Makers and Regulators

Policy Makers and Regulators

Ensure appropriate policy and regulation to lower access barriers for women

Promote gender equality in education and invest in programmes that improve digital literacy for women and girls

Improve women’s safety on mobile through effective policies and strategies including legal frameworks and awareness campaigns

 

Related Videos

Hear from leading advocates on why digital and financial inclusion of women is important

CEO of Telenor Pakistan discusses the importance of digital and financial inclusion for women

CEO of Telenor Pakistan discusses the importance of digital and financial inclusion for women

CEO of Telenor Pakistan discusses the importance of digital and financial inclusion for women

Irfan Khan, CEO of Telenor Pakistan, spoke to the GSMA’s Connected Women team at MWC Barcelona 2019 about why digital and financial inclusion for women is an important issue for him and his organisation. He discusses what he views to be the primary challenges to closing the mobile gender gap and highlights how Telenor is addressing these challenge in Pakistan.
CEO of MTN Ghana discusses the importance of financial inclusion for women

CEO of MTN Ghana discusses the importance of financial inclusion for women

CEO of MTN Ghana discusses the importance of financial inclusion for women

Selorm Adadevoh, CEO of MTN Ghana, spoke to the GSMA’s Connected Women team at MWC Barcelona 2019 about why financial inclusion for women is an important issue for him and his organisation. He discusses what he views to be the primary challenge to closing the gender gap in Mobile Money and financial inclusion and highlights how MTN’s MoMo Pay is addressing this challenge in Ghana.
CEO of Wave Money discusses the importance of financial inclusion for women

CEO of Wave Money discusses the importance of financial inclusion for women

CEO of Wave Money discusses the importance of financial inclusion for women

Brad Jones, CEO of Wave Money, spoke to the GSMA’s Connected Women team about why financial inclusion for women is an important issue for him and his organisation. He discusses what he views to be the primary challenge to closing the gender gap in mobile money and financial inclusion and highlights how Wave Money is addressing this challenge in Myanmar.
CMO of Telenor Pakistan explains why Telenor is committed to closing the mobile gender gap

CMO of Telenor Pakistan explains why Telenor is committed to closing the mobile gender gap

CMO of Telenor Pakistan explains why Telenor is committed to closing the mobile gender gap

The GSMA’s Connected Women programme is very pleased to work with Telenor Pakistan in addressing the mobile gender gap in their customer base. Here we speak to Bilal Kazmi, Chief Marketing Officer of Telenor Pakistan, who explains why driving digital inclusion for women is so important, the challenges we face in closing the mobile gender gap, and the steps that must be taken to address this issue.
Global CIO of Bharti Airtel addresses the importance of digital inclusion for women

Global CIO of Bharti Airtel addresses the importance of digital inclusion for women

Global CIO of Bharti Airtel addresses the importance of digital inclusion for women

Harmeen Mehta, Global CIO and Head of Digital for Bharti Airtel explains why connecting the world is so important and why she values being part of the GSMA’s Connected Women initiative.
The Executive Director of UN Women explains the importance of connecting women

The Executive Director of UN Women explains the importance of connecting women

The Executive Director of UN Women explains the importance of connecting women

The CEO of Zanzibar Telecom explains why digital and financial inclusion for women is important

The CEO of Zanzibar Telecom explains why digital and financial inclusion for women is important

The CEO of Zanzibar Telecom explains why digital and financial inclusion for women is important

The ITU’s Chief of Strategic Planning and Membership shares her views on the mobile gender gap

The ITU’s Chief of Strategic Planning and Membership shares her views on the mobile gender gap

The ITU’s Chief of Strategic Planning and Membership shares her views on the mobile gender gap

The former Direct General of UNESCO talks about digital and financial inclusion of women

The former Direct General of UNESCO talks about digital and financial inclusion of women

The former Direct General of UNESCO talks about digital and financial inclusion of women

The CEO of Women’s World Banking shares her views on the importance of financial inclusion of women

The CEO of Women’s World Banking shares her views on the importance of financial inclusion of women

The CEO of Women’s World Banking shares her views on the importance of financial inclusion of women

GSMA’s CEO explains why financial and digital inclusion of women is an important issue

GSMA’s CEO explains why financial and digital inclusion of women is an important issue

GSMA’s CEO explains why financial and digital inclusion of women is an important issue

The Executive Director for UN Women explains why digital inclusion is an important issue for women

The Executive Director for UN Women explains why digital inclusion is an important issue for women

The Executive Director for UN Women explains why digital inclusion is an important issue for women

The Executive VP of Millicom explains why digital and financial inclusion of women is important

The Executive VP of Millicom explains why digital and financial inclusion of women is important

The Executive VP of Millicom explains why digital and financial inclusion of women is important

The Executive Director of A4AI explains the importance of addressing the mobile gender gap

The Executive Director of A4AI explains the importance of addressing the mobile gender gap

The Executive Director of A4AI explains the importance of addressing the mobile gender gap

The Chairman of Econet Wireless explains why digital and financial inclusion of women is important

The Chairman of Econet Wireless explains why digital and financial inclusion of women is important

The Chairman of Econet Wireless explains why digital and financial inclusion of women is important

The CCO of Robi Axiata explains why digital and financial inclusion of women is important

The CCO of Robi Axiata explains why digital and financial inclusion of women is important

The CCO of Robi Axiata explains why digital and financial inclusion of women is important

The Group CEO of Dialog Axiata explains why digital and financial inclusion of women is important

The Group CEO of Dialog Axiata explains why digital and financial inclusion of women is important

The Group CEO of Dialog Axiata explains why digital and financial inclusion of women is important

 

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