Financial Technology and Financial Inclusion Effect on Women Economic Empowerment in Kenya
| dc.contributor.author | Peter, Grivines Omondi | |
| dc.date.accessioned | 2026-02-24T09:16:34Z | |
| dc.date.available | 2026-02-24T09:16:34Z | |
| dc.date.issued | 2025-10 | |
| dc.description | A Research Project Submitted to the Department of Applied Economics in the School of Business, Economics and Tourism in Partial Fulfilment of the Requirement for the Award of the Degree of Master of Economics (Cooperation and Human Development) of Kenyatta University, October, 2025 Supervisor; 1.Isaac Kimunio | |
| dc.description.abstract | The Fintech industry in Kenya is expanding rapidly, propelled by mobile technology platforms such as M-Pesa, which offer a distinctive prospect to augment financial inclusiveness. Even with the widespread use of mobile technology, there is still a sizable gender disparity in financial access, with women being less likely than males to actively use financial services. Fintech can help close these gaps, however there are now limitations in women's access and usage, which begs the question of how well-suited present Fintech solutions are to promote true economic empowerment and inclusion. The primary objective is to examine the impact of Fintech and financial inclusion on women's economic empowerment in Kenya. This entails understanding how Fintech could enhance women's financial behaviors and contribute to the reduction of the gender disparity in financial inclusion. Examining the effects of fintech and financial inclusion on women's economic empowerment in Kenya is one of the study's main objectives. The study used a cross-sectional survey from the Kenya National Bureau of Statistics' 2021 FinAccess Household Survey. Principal component analysis will be utilized to create indexes for women's economic empowerment and Fintech usage. Additionally, the relationship between Fintech usage and demographic characteristics is examined. The multinomial logit model is used to examine the data. The study found that fintech has a negative significance on women economic empowerment while financial inclusion has positive significance effect on women economic empowerment in Kenya. The study's policy implications highlight the necessity for tailored interventions, including enhancing financial literacy among women, reducing digital transaction costs, and implementing gender-sensitive financial policies. The research contributes to the broader discourse on leveraging FinTech to promote economic inclusion and empowerment, particularly for marginalized groups such as women in developing economies | |
| dc.description.sponsorship | Kenyatta University | |
| dc.identifier.uri | https://ir-library.ku.ac.ke/handle/123456789/32562 | |
| dc.language.iso | en | |
| dc.publisher | Kenyatta University | |
| dc.title | Financial Technology and Financial Inclusion Effect on Women Economic Empowerment in Kenya | |
| dc.type | Thesis |