Challenge
While well intentioned, incentivizing DFSPs or agents to open accounts for women can lead to internal fraud and individuals at these entities spoofing account opening data. For example, an agent might sign up male users with a female account identifier to meet a quota or earn a bonus.
Mitigation
Whenever possible, gender assignment should be tied to formal records like a national ID (where available) and always be verified independently by the end-user themselves (without agent assistance) opening the account. Furthermore, evidence of data spoofing should result in meaningful penalties for responsible parties.