Digital Financial Needs of Micro-entrepreneur Women in Pakistan: Is Mobile Money The Answer?

This paper studies the use of Digital Financial Services (DFS) as a solution to women's financial inclusion in deeply patriarchal, resource constrained communities. Through a qualitative, empirical study we map the financial life cycles of 20 women micro-entrepreneurs in different cities in Pakistan and the challenges they face. We explore how technology is currently influencing these women's businesses and personal lives and reveal how mobile money is not tuned to the problems they face and their financial needs. We present alternate design directions for meeting the technological and financial needs of these women, circumnavigating the patriarchal structures that constrain them.