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
Select a lens to learn the “why” this practice.
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.
Tools
Design Guides
Dig into how to implement each of the practices.
Avoiding Data Spoofing
Mitigation approach for mitigating the risk of DFSPs or employees spoofing account opening data.
Review Avoiding Data SpoofingBalancing Collection of Data with Data Protection
Description of how to ensure GDD collection is balanced and aligned with data protection requirements.
Review Balancing Collection of Data with Data ProtectionDFSP GDD Collection
Guidance for DFSPs on how to collect and use gender data while safeguarding end-user privacy.
Review DFSP GDD CollectionSelect Resources for GDD Collection and Use by Policymakers and DFSPs
List referencing select existing resources for policymakers and DFSP on collection and usage of S-GDD, meant to be a starting point rather than a comprehensive…
Review Select Resources for GDD Collection and Use by Policymakers and DFSPsWhat Good Looks Like for IPS Collection and Usage of S-GDD
Guidance intended to support the IPS in implementing a strong mechanism for regular and consistent collection of supply side, gender-disaggregated data on instant payments and…
Review What Good Looks Like for IPS Collection and Usage of S-GDDIPS Role in Supply-Side GDD Collection by the Ecosystem
Illustration of the supply-side GDD collection process and roles by ecosystem participant.
Review IPS Role in Supply-Side GDD Collection by the EcosystemPIX Minimum Requirements for User Experience, Version 7.0
These are the user experience rules for financial institutions participating in Pix
Review PIX Minimum Requirements for User Experience, Version 7.0Generic payments scheme rulebook categories and example table of contents
A generic scheme rules that IIPS operators can use to build their own rulebook
Review Generic payments scheme rulebook categories and example table of contentsMarket Illustrations
Learn from design choices in action.
Employing AI to Address Data Gaps with the Standard Chartered SocialAI Tool
Country
Global
Challenge
Standard Charted identified a need to identify MSME bank accounts owned by women as part of its commitment to developing solutions tailored to women end-users globally.
Outcome
The Standard Chartered SocialAI model, developed in 2023, can identify the gender with 90% accuracy by using customer names and information included in national ID numbers, where available, as inputs to a machine learning model.
Employing AI to Address Data Gaps with the GSMA GAIT Tool
Country
Global
Challenge
Information on mobile users by gender is limited because of social norms and incomplete data.
Outcome
Using software informed by a survey of users to identify “ground truth” gender data, GSMA’s GAIT tool can predict MNO user gender with greater than 80% accuracy.
Rwanda’s Financial Inclusion Dashboard with GDD
Country
Rwanda
Challenge
Rwanda’s demand side data collection was conducted every four years; this limited frequency led the National Bank of Rwanda to pursue more frequent, granular data collection through direct engagement with financial services providers.
Outcome
The National Bank’s interactive dashboard tool is a valuable resource for policymakers, providers, and other researchers looking to understand how to better serve women and the effect of their interventions over time.
Spotlight on Select IPS and Policymaker Supply-Side GDD Approaches
Country
Various
Challenge
S- GDD collection is nascent, and policymakers may not yet recognize the value of S-GDD.
Outcome
S-GDD collection and publication help inform awareness of the gender gap in financial services for ecosystem participants, as well as efforts to address it.
Related Resources
From the Community
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