Title:
DIGITAL FINANCIAL INCLUSION AND WOMEN ENTREPRENEURSHIP: A CONCEPTUAL MODEL OF MOBILE BANKING ADOPTION

Authors:
Shah Noor Rahman

Abstract:
Now a days women entrepreneurs have now been recognized as a driving force for the economies of many countries where women entrepreneur successfully contributed to job opportunity and improved the quality of life. Women entrepreneurs, especially single mother entrepreneurs, have gone through countless obstacles and lowest point in their personal life experience, which transformed them into independent and successful women. This study examines the role of digital financial inclusion in enhancing women’s entrepreneurial activities in Bangladesh by developing a conceptual model based on mobile banking adoption. Despite the rapid growth of mobile financial services, women entrepreneurs still face challenges such as limited access to financial resources, low digital financial literacy, and concerns regarding security and trust. This study identifies five key dimensions of digital financial inclusion: access to digital financial services, usage of mobile banking, digital financial literacy, security and trust, and convenience. These factors are proposed to have a significant influence on women’s entrepreneurship, reflected in business growth, income generation, and sustainability. The study adopts a conceptual approach based on a comprehensive review of existing literature and proposes a set of testable relationships for future empirical investigation. The proposed framework provides a structured understanding of how mobile banking can support women entrepreneurs and offers practical insights for policymakers and financial service providers to promote inclusive economic development in Bangladesh.

Keywords:
Digital Financial Inclusion, Mobile Banking Adoption, Women Entrepreneurship, Financial Access, Digital Financial Literacy, Bangladesh

DOI:
https://doi.org/10.37500/IJESSR.2026.9216

Date of Publication: 25-04-2026