2022.7-IMF-金融科技领域的女性-作为领导者和用户-英-30页.pdf

Women in Fintech: As Leaders and Users Purva Khera, Sumiko Ogawa, Ratna Sahay and Mahima Vasishth WP/22/ 140 IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management. 2022 JUL © 2022 International Monetary Fund WP/22/140 IMF Working Paper Monetary and Capital Markets Department Women in Fintech: As Leaders and Users Prepared by Purva Khera, Sumiko Ogawa, Ratna Sahay and Mahima Vasishth* Authorized for distribution by Miguel Savastano July2022 IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management. ABSTRACT: While digital financial services have made access to finance easier, faster, and less costly, helping to broaden digital financial inclusion , its impact on gender gaps varies across countries. Moreover, women leaders in the fintech industry, although growing, remain scarce. This paper explores the interaction between ‘women’ and ‘fintech’ by examining: (i) the role of women leaders on firm-level performance in the fintech industry; and (ii) the determinants of gender gaps in the usage of digital services to better understand the cross-country differences. Results indicate that greater gender diversity in the executive board is associated with better pe