Inclusión financiera y brecha de género: un análisis para América Latina y el Caribe en el periodo 2011-2021

This article analyzes the gender gap in Financial Inclusion (FI) in Latin America and the Caribbean (LAC) between 2011 and 2021, based on a literature review and the estimation of logistic models using Global Findex data for LAC. The results show a negative association between FI and gender when controlling for other variables (such as age, education, income level, country, and year). Specifically, women are less likely to access and use formal financial products, suggesting that gender social norms reinforce both supply and demand-side barriers to women’s FI. Additionally, it is observed that financial digitalization plays a key role in increasing FI in the region; however, this digitalization appears to have a more pronounced impact on women’s ownership of financial accounts, as well as on their ownership and usage of debit cards.