International Journal of Social Science & Economic Research
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Title:
The Cashless Economy and The Gender Gap Across Brics Economies

Authors:
Anya Chandra

Journal: International Journal of Social Science and Economic Research (IJSSER)
ISSN: 2455-8834
Volume: 10
Issue: 9
Publication Date: September 2025
DOI: 10.46609/IJSSER.2025.v10i09.009

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Anya Chandra
Step By Step School Noida

MLA 8
Chandra, Anya. "The Cashless Economy and The Gender Gap Across Brics Economies." Int. j. of Social Science and Economic Research, vol. 10, no. 9, Sept. 2025, pp. 3794-3804, doi.org/10.46609/IJSSER.2025.v10i09.009. Accessed Sept. 2025.
APA 6
Chandra, A. (2025, September). The Cashless Economy and The Gender Gap Across Brics Economies. Int. j. of Social Science and Economic Research, 10(9), 3794-3804. Retrieved from https://doi.org/10.46609/IJSSER.2025.v10i09.009
Chicago
Chandra, Anya. "The Cashless Economy and The Gender Gap Across Brics Economies." Int. j. of Social Science and Economic Research 10, no. 9 (September 2025), 3794-3804. Accessed September, 2025. https://doi.org/10.46609/IJSSER.2025.v10i09.009.

References

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[4] . Darji, A., & Pandey, R. (2019). Cashless economy and women’s financial inclusion in rural Gujarat. International Journal of Innovative Research and Advanced Studies, 6(4), 178–182.
[5] . Dzogbenuku, R. K., Amoako, G. K., Kumi, D. K., & Okoe, A. F. (2021). Gender and digital payment usage in rural Ghana: A comparative study. International Journal of Bank Marketing, 39(3), 411–432.
[6] . Johnen, A., & Mußhoff, O. (2023). Does formal digital credit reduce the gender gap in financial inclusion? Evidence from FinAccess surveys. World Development, 165, 106175.
[7] . Kulkarni, A., & Ghosh, S. (2021). Gender disparity in digital financial services and implications for women’s autonomy: Evidence from India. Economic & Political Weekly, 56(47), 52–60.
[8] . van der Cruijsen, C., & Broekhoff, J. (2024). Gender differences in payment behaviour: Evidence from the Netherlands. Journal of Consumer Affairs, 58(1), 89–112.
[9] . Yadhav, R., Kumar, A., Mishra, A., & Kochhar, P. (2024). Perceived risks and continuance intention of cashless payments among female users in India. Journal of Financial Services Marketing, 29(1), 77–92.

ABSTRACT:
This paper examines the link between the cashless financial ecosystem and the gender gap across the BRICS economies. In specific, the paper seeks to answer the question whether transitioning from a cash to a cashless economy has been beneficial for both men and women alike. Using a large-scale global data source, we find that while there has been a significant increase in the use of digital payments within the financial ecosystem over time, the effect is less pronounced for women than it is for men. Moreover, economic growth and development is positively correlated with lower gender gaps. The paper ends with providing policy recommendations towards an inclusive financial ecosystem for the future.

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