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Mr. Boileau Loko and Yuanchen Yang

Construction B. Empirical Strategy C. Data Sources Empirical Results and Discussion A. Baseline Results B. Economic Mechanisms C. Fintech Interaction with Firm Characteristics D. Weak Institution Reduces Benefits of Fintech Robustness Checks Conclusion Figures 1. Landscape of Fintech Across Countries 2. Employment Rate by Gender 3. Gender Gap in Fintech Adoption Tables 1. Summary Statistics 2. Fintech Development and Female Employment 3. Economic Mechanisms Underlying the Effect of Fintech Development 4. Fintech and Firm

Mr. Boileau Loko and Yuanchen Yang

have constrained access to and usage of fintech to improve gender equality. We proposed pathways to develop enabling infrastructure and improve institutional environment to build a more inclusive fintech ecosystem. Figure 3. Gender Gap in Fintech Adoption (Percent) Source: Bank for International Settlements. Note: The figures represent the percentage of surveyed individuals who use fintech for specific services. The rest of the paper is organized as follows. Section 2 describes our methodology and data. Section 3 presents empirical results and