Challenges for Women Entrepreneurs in Digital Financial Literacy: A Scoping Review
Abstract
Introduction/Main Objectives: In the digital era, digital financial literacy (DFL) has become a vital competency for women entrepreneurs, especially in developing countries. Novelty: This study contributes to the body of knowledge through a literature review on digital financial literacy among women entrepreneurs. Research Methods: This scoping review explores the challenges they face in acquiring and applying DFL, which includes understanding and using financial technologies such as e-wallets, mobile banking, and digital bookkeeping. Despite its potential to enhance business efficiency, transparency, and access to financing, women entrepreneurs often encounter barriers such as limited access to technology, low digital education, and restrictive social norms. Using the PRISMA-ScR framework, this study analyzes 14 selected articles from the Scopus database published between 2020 and 2025. Finding/Results: The findings reveal four key focus areas: the level of understanding and use of financial technology, the relationship between DFL and business success, barriers to accessing digital financial services, and the role of training and education in improving DFL. Research limitation/implications: The practical implication of this study is the need to develop a digital financial literacy program tailored to the needs of women business actors. Governments, financial institutions, and civil society organizations can design app-based training, online modules, and community mentoring to improve women's digital skills.
References
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https://doi.org/10.5465/amp.2012.0169
Choudhary, H., & Jain, H. (2023). Addressing Financial Exclusion through Financial Literacy training programs: a Systematic Literature Review. Empirical Research in Vocational Education and Training, 15(1), 8.
https://doi.org/10.1186/s40461-023-00147-9
Christou, E., Parmaxi, A., & Zaphiris, P. (2025). A systematic exploration of scoping and mapping literature reviews. Universal Access in the Information Society, 24(1), 941–951. https://doi.org/10.1007/s10209-024-01120-3
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Jose, J., & Ghosh, N. (2025). Digital financial literacy and financial inclusion in the global south for a sustainable future: A scoping review. DECISION, 52(1), 129–148. https://doi.org/10.1007/s40622-025-00426-2
Kaur, K., & Sahni, N. (2025). The Effect of Digital Financial Literacy on Personal Financial Management Behaviour of Women of Punjab: Exploring The Role of Digital Financial Socialisation as A Mediating Variable. International Journal of Accounting and Economics Studies, 12(3), 130–139. https://doi.org/10.14419/bw8bmc40
Koskelainen, T., Kalmi, P., Scornavacca, E., & Vartiainen, T. (2023). Financial literacy in the digital age—A research agenda. Journal of Consumer Affairs, 57(1), 507–528. https://doi.org/10.1111/joca.12510
Leitch, C., Welter, F., & Henry, C. (2018). Women entrepreneurs’ financing revisited: taking stock and looking forward. Venture Capital, 20(2), 103–114. https://doi.org/10.1080/13691066.2018.1418624
Lindvert, M. (2017). Financial Barriers and How to Overcome Them: The Case of Women Entrepreneurs in Tanzania. In Entrepreneurship in Africa (pp. 344–360). BRILL. https://doi.org/10.1163/9789004351615_016
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Menberu, A. W. (2024). Technology-mediated financial education in developing countries: a systematic literature review. Cogent Business & Management, 11(1). https://doi.org/10.1080/23311975.2023.2294879
Mishra, D., Agarwal, N., Sharahiley, S., & Kandpal, V. (2024). Digital Financial Literacy and Its Impact on Financial Decision-Making of Women: Evidence from India. Journal of Risk and Financial Management, 17(10).
https://doi.org/10.3390/jrfm17100468
Munn, Z., Peters, M. D. J., Stern, C., Tufanaru, C., McArthur, A., & Aromataris, E. (2018). Systematic review or scoping review? Guidance for authors when choosing between a systematic or scoping review approach. BMC Medical Research Methodology, 18(1), 143. https://doi.org/10.1186/s12874-018-0611-x
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https://doi.org/10.1080/23311975.2024.2376282
Raikar, K., Pall, H., Bhatia, S., & Joshi, S. (2017). Customer experience and associated customer behaviour in end user devices and technologies (smartphones, mobile internet, mobile financial services). International Journal of High Performance Computing and Networking, 10(1/2), 118. https://doi.org/10.1504/IJHPCN.2017.10003769
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https://doi.org/10.3389/fpsyg.2021.776844
Aripin, & Zuhriyah, N. A. (2025). Empowering women through financial literacy and business management skill: Empirical evidence from Indonesia. Social Sciences & Humanities Open, 12, 101976.
https://doi.org/10.1016/j.ssaho.2025.101976
Asandimitra, N., Kautsar, A., Tri Wijayati, D., Dwi Kusumawati, N., & Uswatun Nihaya, I. (2024). Women in business: The impact of digital and financial literacy on female-owned small and medium-sized enterprises. Investment Management and Financial Innovations, 21(3), 330–343. https://doi.org/10.21511/imfi.21(3).2024.27
Bullough, A., de Luque, M. S., Abdelzaher, D., & Heim, W. (2015). Developing Women Leaders through Entrepreneurship Education and Training. Academy of Management Perspectives, 29(2), 250–270.
https://doi.org/10.5465/amp.2012.0169
Choudhary, H., & Jain, H. (2023). Addressing Financial Exclusion through Financial Literacy training programs: a Systematic Literature Review. Empirical Research in Vocational Education and Training, 15(1), 8.
https://doi.org/10.1186/s40461-023-00147-9
Christou, E., Parmaxi, A., & Zaphiris, P. (2025). A systematic exploration of scoping and mapping literature reviews. Universal Access in the Information Society, 24(1), 941–951. https://doi.org/10.1007/s10209-024-01120-3
Desai, A., Sensarma, R., & Thomas, A. (2025). The Role of Business Training in Improving Digital Financial Literacy: Evidence from a Field Experiment for Subsistence Women Entrepreneurs. Journal of Human Development and Capabilities, 26(2), 199–209. https://doi.org/10.1080/19452829.2025.2470217
Dura, J., & Wardana, D. (2024). The Sustainability Role of Women Entrepreneurs through the Digital Financial Literacy Movement. Population and Economics, 8(3), 108–129. https://doi.org/10.3897/popecon.8.e116923
Fauzi, F., Antoni, D., & Suwarni, E. (2020). Women entrepreneurship in the developing country: The effects of financial and digital literacy on SMEs’ growth. Journal of Governance and Regulation, 9(4), 106–115. https://doi.org/10.22495/JGRV9I4ART9
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80–105. https://doi.org/10.1111/ijcs.12605
Gupta, S., Wei, M., Tzempelikos, N., & Shin, M. M. (2024). Women empowerment: challenges and opportunities for sustainable development goals. Qualitative Market Research: An International Journal, 27(4), 608–630. https://doi.org/10.1108/QMR-11-2023-0160
Hasan, M., Jannah, M., Supatminingsih, T., Ahmad, M. I. S., Sangkala, M., Najib, M., & Elpisah. (2024). Understanding the role of financial literacy, entrepreneurial literacy, and digital economic literacy on entrepreneurial creativity and MSMEs success: a knowledge-based view perspective. Cogent Business & Management, 11(1). https://doi.org/10.1080/23311975.2024.2433708
Hasan, R., Ashfaq, M., Parveen, T., & Gunardi, A. (2023). Financial inclusion – does digital financial literacy matter for women entrepreneurs? International Journal of Social Economics, 50(8), 1085–1104.
https://doi.org/10.1108/IJSE-04-2022-0277
Herath, S. K., & Herath, L. M. (2024). Accounting for Sustainability: The Measurements and Financial Reporting Disclosure. In Contemporary Research and Practices for Promoting Financial Literacy and Sustainability (pp. 51–92). https://doi.org/10.4018/979-8-3693-0863-9.ch003
Hidayat-ur-Rehman, I. (2025). The role of financial literacy in enhancing firm’s sustainable performance through Fintech adoption: a moderated mediation analysis. International Journal of Innovation Science, 17(4), 754–785. https://doi.org/10.1108/IJIS-03-2024-0056
Hunt, H., Pollock, A., Campbell, P., Estcourt, L., & Brunton, G. (2018). An introduction to overviews of reviews: planning a relevant research question and objective for an overview. Systematic Reviews, 7(1), 39. https://doi.org/10.1186/s13643-018-0695-8
Igamo, A. M., Rachmat, R. Al, Siregar, M. I., Gariba, M. I., Cherono, V., Wahyuni, A. S., & Setiawan, B. (2024). Factors influencing Fintech adoption for women in the post-Covid-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 10(1), 100236. https://doi.org/10.1016/j.joitmc.2024.100236
Jose, J., & Ghosh, N. (2025). Digital financial literacy and financial inclusion in the global south for a sustainable future: A scoping review. DECISION, 52(1), 129–148. https://doi.org/10.1007/s40622-025-00426-2
Kaur, K., & Sahni, N. (2025). The Effect of Digital Financial Literacy on Personal Financial Management Behaviour of Women of Punjab: Exploring The Role of Digital Financial Socialisation as A Mediating Variable. International Journal of Accounting and Economics Studies, 12(3), 130–139. https://doi.org/10.14419/bw8bmc40
Koskelainen, T., Kalmi, P., Scornavacca, E., & Vartiainen, T. (2023). Financial literacy in the digital age—A research agenda. Journal of Consumer Affairs, 57(1), 507–528. https://doi.org/10.1111/joca.12510
Leitch, C., Welter, F., & Henry, C. (2018). Women entrepreneurs’ financing revisited: taking stock and looking forward. Venture Capital, 20(2), 103–114. https://doi.org/10.1080/13691066.2018.1418624
Lindvert, M. (2017). Financial Barriers and How to Overcome Them: The Case of Women Entrepreneurs in Tanzania. In Entrepreneurship in Africa (pp. 344–360). BRILL. https://doi.org/10.1163/9789004351615_016
Md Faudzi, M. S., Abu Bakar, L. J., & Ahmad, S. (2024). Breaking Barriers: Investigating Technology Adoption in Micro, Small, and Medium Enterprises (MSMEs) Among Low-Income Women Entrepreneurs in Malaysia. PaperASIA, 40(5b), 126–135. https://doi.org/10.59953/paperasia.v40i5b.130
Menberu, A. W. (2024). Technology-mediated financial education in developing countries: a systematic literature review. Cogent Business & Management, 11(1). https://doi.org/10.1080/23311975.2023.2294879
Mishra, D., Agarwal, N., Sharahiley, S., & Kandpal, V. (2024). Digital Financial Literacy and Its Impact on Financial Decision-Making of Women: Evidence from India. Journal of Risk and Financial Management, 17(10).
https://doi.org/10.3390/jrfm17100468
Munn, Z., Peters, M. D. J., Stern, C., Tufanaru, C., McArthur, A., & Aromataris, E. (2018). Systematic review or scoping review? Guidance for authors when choosing between a systematic or scoping review approach. BMC Medical Research Methodology, 18(1), 143. https://doi.org/10.1186/s12874-018-0611-x
Ossandon, H., Armijo, N., Vargas, C., Repetto, G. M., & Espinoza, M. A. (2024). Challenges for gene therapy in the financial sustainability of health systems: a scoping review. Orphanet Journal of Rare Diseases, 19(1), 1–9. https://doi.org/10.1186/s13023-024-03249-z
Patnaik, B., Patnaik, D., & Pradhan, B. B. (2024). Women’s Financial Literacy and Financial Inclusion Post-pandemic. In N. Mansour, S. Baral, & V. Garg (Eds.), E-Financial Strategies for Advancing Sustainable Development: Fostering Financial Inclusion and Alleviating Poverty (pp. 267–280). Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-67523-2_16
Peter, S., Elangovan, E., & Gupta, A. (2024). Navigating the digital financial landscape: unraveling the impact of financial behavior traits on women-owned enterprises in the new normal perspective. Cogent Business and Management, 11(1). https://doi.org/10.1080/23311975.2023.2296570
Peter, S., Elangovan, G., & Gupta, A. (2025). Digital engagement in financial inclusion for bridging the gendered entrepreneurial financial gap: evidence from India. Cogent Business and Management, 12(1).
https://doi.org/10.1080/23311975.2025.2518492
Peters, M. D. J., Marnie, C., Colquhoun, H., Garritty, C. M., Hempel, S., Horsley, T., Langlois, E. V., Lillie, E., O’Brien, K. K., Tunçalp, Ӧzge, Wilson, M. G., Zarin, W., & Tricco, A. C. (2021). Scoping reviews: reinforcing and advancing the methodology and application. Systematic Reviews, 10(1), 263. https://doi.org/10.1186/s13643-021-01821-3
Prabadevi, M. N., Auxilia, P. A. M., Subramanian, K. P., & Rengarajan, V. (2024). Strategies for Leveraging Digital Libraries to Improve Financial Literacy among Rural Entrepreneurial Women. Indian Journal of Information Sources and Services, 14(2), 28–33. https://doi.org/10.51983/ijiss-2024.14.2.05
Purwoto, L., Rahmawati, C. H. T., Rahayu, T., & Abhedananda, E. A. S. (2025). Digital Financial Literacy and Entrepreneurial Resilience of Women Entrepreneurs: A Moderated Model of Overconfidence. Journal of Women’s Entrepreneurship and Education, 2025(1–2), 1–25. https://doi.org/10.28934/jwee25.12.pp1-25
Putrevu, J., & Mertzanis, C. (2024). The adoption of digital payments in emerging economies: challenges and policy responses. Digital Policy, Regulation and Governance, 26(5), 476–500. https://doi.org/10.1108/DPRG-06-2023-0077
Raharjo, K., Afrianty, T. W., & Prakasa, Y. (2024). Digital literacy and business transformation: social-cognitive learning perspectives in small business enterprises. Cogent Business & Management, 11(1).
https://doi.org/10.1080/23311975.2024.2376282
Raikar, K., Pall, H., Bhatia, S., & Joshi, S. (2017). Customer experience and associated customer behaviour in end user devices and technologies (smartphones, mobile internet, mobile financial services). International Journal of High Performance Computing and Networking, 10(1/2), 118. https://doi.org/10.1504/IJHPCN.2017.10003769
Sallah, C. A., & Caesar, L. D. (2020). Intangible resources and the growth of women businesses. Journal of Entrepreneurship in Emerging Economies, 12(3), 329–355. https://doi.org/10.1108/JEEE-05-2019-0070
Shehadeh, M., Ajouz, M., Abu-AlSondos, I. A., Alkhwaldi, A. F., & Jaber, J. J. (2024). Exploring the Path from Digital Financial Literacy to QR Payment Adoption. In Contributions to Management Science: Vol. Part F3767 (pp. 153–166). Springer Science and Business Media Deutschland GmbH. https://doi.org/10.1007/978-3-031-67531-7_14
Showkat, M., Nagina, R., Baba, M. A., & Yahya, A. T. (2025). The impact of financial literacy on women’s economic empowerment: exploring the mediating role of digital financial services. Cogent Economics and Finance, 13(1). https://doi.org/10.1080/23322039.2024.2440444
Showkat, M., Nagina, R., Nori, U., Baba, M. A., & Shah, M. A. (2024). Empowering women in the digital age: can digital financial services fulfil the promise of financial autonomy and gender equality in the attainment of Sustainable Development Goal 5? Cogent Economics & Finance, 12(1). https://doi.org/10.1080/23322039.2024.2342459
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Published
2026-04-30
How to Cite
IDRIS, Ahmad et al.
Challenges for Women Entrepreneurs in Digital Financial Literacy: A Scoping Review.
Jurnal Cendekia Keuangan, [S.l.], v. 5, n. 1, p. 14-29, apr. 2026.
ISSN 2810-0964.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/JCK/article/view/8632>. Date accessed: 14 apr. 2026.
doi: https://doi.org/10.32503/jck.v5i1.8632.
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