Özşuca, Ekin Ayşe03.06. Uluslararası Ticaret ve Finansman03. İktisadi ve İdari Birimler Fakültesi01. Çankaya Üniversitesi2025-05-112025-09-182025-05-112025-09-1820251573-69110340-8744https://doi.org/10.1007/s10663-024-09641-zhttps://hdl.handle.net/20.500.12416/13486This paper analyzes and measures the contributing factors that explain variation in access to digital finance between men and women across different age groups for developing countries. The findings indicate that the gap is the largest for the working age population. The largest part of the gap is attributable to employment, while secondary education and income level are also found as significant contributors to the disparity. Notably, tertiary education acts towards closing the gap for young adults. © 2025 Elsevier B.V., All rights reserved.eninfo:eu-repo/semantics/closedAccessDeveloping CountriesDigital Financial InclusionGenderGender Gap Across GenerationsDeveloping WorldFinancial ServicesGender DisparityHigher EducationSocial InclusionArticle10.1007/s10663-024-09641-z2-s2.0-105003406587