Improving Women’s Digital and Financial Inclusion in Nigeria—A Nudging and Capacity based Human Rights Framework

Lui, A ORCID: 0000-0003-2463-5177, Ozor, P, Emma-Ebere, O, Uzochukwu, S, Ezemonye, L and Odejimi, D (2025) Improving Women’s Digital and Financial Inclusion in Nigeria—A Nudging and Capacity based Human Rights Framework. Journal of Banking Regulation. ISSN 1745-6452

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Abstract

This article seeks to increase access to digital financial payment services for women and minority groups in the informal sector in urban-rural, south-south, south-west and north-central regions of Nigeria. Our data reveal that regardless of the participants’ educational level, request for support for digital and financial literacy skills is high across all three regions. Regional variances, the dominance of social and cultural norms, poor enforcement of laws meant that previous attempts to improve womens’ digital and financial inclusion having limited impact. Financial inclusion is a key catalyst and enabler for poverty reduction and economic growth. Our article proposes an original two-pronged strategy consisting of soft ‘nudging’ to influence human behavioural changes and a capacity based human rights framework targeting poverty reduction.

Item Type:	Article
Uncontrolled Keywords:	1502 Banking, Finance and Investment; 1801 Law; 3501 Accounting, auditing and accountability; 3502 Banking, finance and investment; 4803 International and comparative law
Subjects:	K Law > K Law (General)
Divisions:	Justice Studies (from Sep 19) Law and Justice Studies
Publisher:	Palgrave Macmillan
Date of acceptance:	25 August 2025
Date of first compliant Open Access:	23 September 2025
Date Deposited:	26 Aug 2025 12:14
Last Modified:	20 Oct 2025 15:00
DOI or ID number:	10.1057/s41261-025-00292-z
URI:	https://researchonline.ljmu.ac.uk/id/eprint/26995

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