Practice

Gender Disaggregated Data

The Scheme ecosystem should ensure that data on account holders and usage can be disaggregated by gender to support measurement of gender gaps and inform better designed products and services.

Shared Capabilities

Scheme and DFSPs jointly invest in shared capabilities

How to Implement

Guidance

Collect and use supply-side GDD Collection at DFSP level.

The Scheme requires DFSPs to safely capture supply-side gender-disaggregated data (S-GDD) at the account and transaction-level – in line with data privacy and protection regulations, using secure collection mechanisms, and with end user’s consent – and encourages proactive and responsible use of that data to understand patterns in women’s and men’s account access and usage of financial services, with the goal of enhancing their product offerings to be more responsive to end users’ needs.   

Share aggregated data on end user usage.

The Scheme directs DFSPs to share demographic information and gender disaggregated data with the regulator(s) on a periodic basis (e.g. monthly or quarterly). 

Collect and use GDD at the Scheme level.

The Scheme consistently, safely, and responsibly collects and analyzes transaction-level gender-disaggregated data from DFSPs. The Scheme also shares this data with regulators at the transaction level for their use in tracking progress towards targets for lowering the gender gap in financial inclusion.

Promote analysis of GDD by Scheme participants.

The Scheme’s governance structures support regular discussions of trends observed in the GDD and result in practical and meaningful targets and actions by the Scheme and its participants to increase all end users’ usage of IPS-enabled products and services.   

Collect and use GDD at regulator and policymaker level.

Regulators and policymakers analyze data collected from DFSPs and received from the Scheme to gain meaningful insights into broader market patterns and use the insights inform better, more targeted policies and regulations aimed at increasing women’s financial inclusion. 

Encourage and provide shared GDD services.

The Scheme encourages and contributes, where possible, to shared investment in open-source tools that support DFSPs in tracking relevant gender data.    

Why It Matters

The collection of gender-disaggregated data (GDD) at the Scheme level may reveal patterns in gendered account ownership and use, which will equip DFSPs to tailor products and policymakers to tailor targets and strategies which better meet the needs of all users.

Seeing More Clearly

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Women’s Inclusion

Women face unique and varied barriers to effective use of instant payments. Their needs and preferences cannot be fully understood and met without the payment ecosystem first understanding and quantifying those needs through the collection of gender-disaggregated payments data.

A woman purchases a necklace using mobile money in Rwanda.

Tools

Design Guides

Dig into how to implement each of the practices.

Related Resources

From the Community

Helpful resources from other organizations on implementing this practice.

    PDF | AFI

    AFI Core Set of Financial Inclusion Indicators

    Set of Key Indicators for S-GDD Tracking 

    Blog |CGAP

    Supply-Side Gender Data is a Game Changer for Financial Inclusion

    Discussion of Opportunities Arising from S-GDD Collection

    PDF | CGAP

    Advancing Women’s Inclusion: Guidelines to Adopt a Gender Perspective in Financial Institutions

    Guidance on Conducting Quantitative and Qualitative Research in the Context of a Broader Gender Strategy

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A woman uses mobile money to purchase fruit at a market in Rwanda.