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Regulating exclusions? Gender, development, and the limits of inclusionary financial platforms
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Natile, Serena (2020) Regulating exclusions? Gender, development, and the limits of inclusionary financial platforms. International Journal of Law in Context , 15 (4). pp. 461-478. doi:10.1017/S1744552319000417 ISSN 1744-5523.
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Official URL: https://doi.org/10.1017/S1744552319000417
Abstract
Digital financial inclusion platforms have gained increasing attention as instruments for economic growth which also contribute to development goals such as poverty reduction and gender equality. One of the most acclaimed digital financial platforms to date is M-Pesa (M for mobile, pesa, Swahili for money) in Kenya, a mobile-phone-enabled money transfer service realised via a public-private partnership between the UK’s Department for International Development, Vodafone and its local partner Safaricom. Since its launch in 2007 M-Pesa has grown at a phenomenal rate and it is now used by over 70 per cent of the Kenyan population. Bringing together socio-legal enquiry, feminist political economy analysis and postcolonial literature, this paper discusses M-Pesa’s inclusionary regulatory arrangements and examines their implications for gender equality. It shows that while these arrangements contribute to including women in the formal financial system, they fail to adopt the redistributive measures necessary to address the gendered socio-economic disadvantages that cause and reproduce financial exclusion.
Item Type: | Journal Article | ||||||||
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Subjects: | H Social Sciences > HG Finance H Social Sciences > HQ The family. Marriage. Woman K Law [Moys] > KC International Law |
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Divisions: | Faculty of Social Sciences > School of Law | ||||||||
Library of Congress Subject Headings (LCSH): | Financial exclusion , Financial exclusion -- Kenya, Discrimination in financial services, Discrimination in financial services -- Kenya, Financial services industry -- Law and legislation -- Kenya, Banks and banking, Mobile -- Kenya, Financial exclusion -- Prevention -- Technological innovations, Women -- Kenya -- Economic conditions | ||||||||
Journal or Publication Title: | International Journal of Law in Context | ||||||||
Publisher: | Cambridge University Press | ||||||||
ISSN: | 1744-5523 | ||||||||
Official Date: | 3 February 2020 | ||||||||
Dates: |
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Volume: | 15 | ||||||||
Number: | 4 | ||||||||
Page Range: | pp. 461-478 | ||||||||
DOI: | 10.1017/S1744552319000417 | ||||||||
Status: | Peer Reviewed | ||||||||
Publication Status: | Published | ||||||||
Access rights to Published version: | Restricted or Subscription Access | ||||||||
Copyright Holders: | Cambridge University Press | ||||||||
Date of first compliant deposit: | 29 December 2020 | ||||||||
Date of first compliant Open Access: | 7 January 2021 |
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