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How households shape gender equality outcomes

In Indian cinema, a woman’s breakthrough moment is often not when she defies the world, but when her father quietly backs her. From Dangal to Gunjan Saxena: The Kargil Girl, from small-town dramas to big-budget biopics, the turning point is strikingly similar: A man inside the household using his social authority to make a woman’s ambition socially acceptable.

These scenes resonate because they mirror real life. Across India, policy may open doors for women, but it is the household that decides whether they are allowed to walk through them. Policies do not operate in isolation; they are mediated through households, which make key decisions on mobility, time use, and participation.

Over the past decade, India has made significant policy investments to advance gender equality across various sectors. India’s gender budget now accounts for over 9% of the Union Budget. Yet outcomes remain uneven, reflecting a missing link between what policy enables and what households allow.

In many households, women’s aspirations are shaped not only by ability but by social permission. Women within households often counsel caution, not out of conservatism, but out of lived experience of safety risks, reputation, and social sanction. Their restraint is rational.

Men, by contrast, are more often socially authorised to challenge norms. Their support carries legitimacy, authority, and moral support that women’s voices still have to negotiate routinely. In practice, male voices continue to be more readily accepted in redefining what is considered acceptable. This does not imply that men create women’s agency, but it does reveal how authority operates within existing structures. It also, in ways, makes it slightly easier for women who have support back home.

These dynamics surface strongly when women enter roles traditionally perceived as ‘male’, whether as entrepreneurs, transport workers, or banking agents. Societal resistance to women entering such traditionally male-dominated sectors is rarely linked to their capability, but rather to whether women’s participation aligns with prevailing social expectations. Even where jobs exist, women’s participation depends on household support for travel, time allocation, and continuity of work. Research on women’s work shows that their workforce participation is constrained less by the actual lack of jobs and more by how women’s time and their movement are regulated. and the Time Use Survey both point to the same reasons: Mobility constraints and disproportionate caregiving load. Both the Periodic Labour Force Survey (October 2025) and the Time Use Survey point to the same reasons: mobility constraints and disproportionate caregiving loads.

Our research on female banking agents shows how operating hours, geographic reach, and customer engagement are often limited by what families and communities consider appropriate for women. But when households actively support mobility and redistribute care, women’s participation becomes more stable and scalable. Similarly, our research on women’s entrepreneurship shows that the first and most influential source of business mentorship is often from the men within the family. Mentorship and endorsement from a male family member often determine how women move from interest to participation to scaling in family businesses, which generate over 75% of India’s GDP.

Together, these patterns point to a critical conclusion: While policy creates opportunity for women, households decide whether it can be used. From a policy perspective, male allyship emerges as one of the practical implementation levers to bridge this critical policy gap, influencing policy provisions’ translation into sustained participation. When men support women’s mobility, participate more actively in care responsibilities, and support women’s health and work-related decisions, policy provisions shift from abstract entitlements to actionable choices. However, male allyship must move from tokenism and symbolism to action.

The household must be treated not as a backdrop to policy, but as the actual implementation site, and within it, male allyship as an enabling lever. Norms do not shift because laws exist; they shift when daily micro-and-macro decisions within homes change in favour of women. When similar shifts are reinforced through workplaces, community institutions, and public systems, they contribute to larger systemic change around women’s economic participation. Take the example of some male sarpanchs whose efforts ranged from promoting the value of daughters to challenging everyday sexist language, demonstrating how male authority, when exercised deliberately, can shift community norms that shape women’s lives.

In such contexts, women’s engagement in work, care decisions, and health shifts from ongoing negotiations to routine practice not because policy has changed, but because the household has.

For policymakers and programme designers, this has direct and clear implications for how a policy can promote or even nudge equality or how gender-intentional interventions are designed and delivered. For example, policy investments aimed at transforming women’s work and well-being in India should meaningfully involve men at key life-cycle moments such as marriage, childbirth, return to work, and caregiving shocks when women’s sustained participation is most at risk. Policy and programme metrics that track women’s progress should move beyond access to track behaviours that enable continuity, including mobility, time use, and sustained engagement with services.

The question, therefore, is not whether policies exist, but whether they are designed to work within the household contexts to reinforce enabling behaviours while influencing more men to become allies to support women’s economic participation. If policies are to deliver transformative progress for women’s economic inclusion, we must target households as the real implementation platforms and male allyship as a critical infrastructure within them. Otherwise, we will continue to mistake legal equality for lived equality.

This was first published on 29th May 2026 by Economic Times.

Rwanda FinScope 2024: Digital financial services thematic report

The Rwanda FinScope 2024 Digital Financial Services Thematic Report highlights Rwanda’s rapid progress in digital financial inclusion. It notes that 85.3% of adults now access digital financial services, up from 46% in 2016. Mobile money, digital person-to-business payments, and supportive government policies are the key drivers of this growth. However, financial exclusion remains concentrated among rural populations, women, youth, and low-income groups that lack access to devices or digital services. The report recommends expansion of infrastructure, improvement in digital literacy, stronger trust and security, and the promotion of inclusive financial innovation to support broader financial empowerment

Console, Code, Change: Tapping the power of video games for social impact

Look around at any metro coach, university canteen, or waiting room. The world is not just looking down at their phones; they are plugged into a parallel reality. From Call of Duty to Candy Crush, games have evolved from mere distractions into the primary ways in which we think, connect, and see ourselves. But while we have spent ages debating the economics of this digital gaming empire, we have largely ignored its unique potential to bring positive social change.

With industry projections of over 500 million gamers in India today and an estimated 700 million by 2030, the sheer scale of this industry is staggering. Globally, it is eclipsing the music and film industries combined. But scale without intent can also be damaging. Research finds a positive correlation between addiction to gaming, especially war games, and increased aggression among adolescent males. Women gamers report online harassment and abuse. Many games rely on stereotypical gender representation that reinforces real-world bias. Without a responsible lens, games can replicate inequality rather than challenge it.

We are currently at a crossroads. The recently Promotion and Regulation of Online Gaming Act, 2025, focuses primarily on regulating real-money games. However, it also offers a constructive pathway for social innovation, including the promotion of games for education and social change. We can continue to let games mirror our societal inequalities or use the Act to do something far more ambitious ― change adverse social norms!

Here is the superpower that games have over every other medium: agency. Films let you just watch, while games force you to participate and act. When a player faces a moral dilemma in a game, they do not just witness a story; they choose a path and live with the consequences, albeit in virtual reality, but a reality nonetheless. This can be key to build genuine empathy and skills.

  • Evidence in action: Titles like Never Alone or That Dragon, Cancer prove that interactive storytelling can cultivate emotional depth in ways movies never could.
  • Real-world impact: Consider Go Nisha Go, which equipped adolescent girls with the confidence to navigate complex sexual and reproductive health decisions.

These are not just games; they are training grounds for real-world resilience. Research shows that well-designed games sharpen problem-solving, decision-making, and critical systems thinking. The economic argument is just as loud as the social one. When games model equality and inclusion, they are not just being nice. They are fostering a more equitable workforce. Agency practiced in digital spaces can translate into confidence, participation, and leadership in the real economy.

Development practitioners have long used games as tools to nudge and shift norms and attitudes. The challenge now is bringing that intent to the digital gaming arena.

  • To the developers: Prioritize inclusive, gender-intentional design that builds sensitivity and empathy.
  • To the policymakers: Use the National Online Gaming Commission to incentivize social innovation in gaming, moving the discussion away from policing consumption.
  • To civil society: Shift from being critics to collaborators to developers. Partner with them to make constructive content.

Treating games as tools for social change requires intention, not reinvention. India has the talent, the policy momentum, and a massive, plugged-in audience to lead this transition.

The game is on. How we play is what matters.

This was first published on 27th May 2026 by ET Edge Insights.

Designing and scaling Instant Payment Systems: Lessons from Nigeria and Ethiopia

As fast payment systems expand across Africa, they are reshaping transaction flows. Yet, instant payments also raise new questions about governance, interoperability, and financial inclusion. This white paper compares Nigeria’s established NIBSS Instant Payment system with Ethiopia’s newly launched EthioPay-IPS to show how differing design choices affect the reach and resilience of instant payment systems. In it, the authors review core program design, governance and risk management, market integration, and cross-border connectivity, and draw on transaction trends and institutional trajectories to explain why pricing, distribution, use cases, and stakeholder coordination determine how these payment systems scale.

Digital financial inclusion in Rwanda: Successes, usage gaps, and the next priorities

Rwanda’s digital money efforts have reached 85.3% of Rwandans, or 7 million people. The difficult question is whether it works for them, and the case of two Rwandans makes that clear. The first is a salaried civil servant in Kigali who pays her electricity bill, her children’s school fees, and her health insurance entirely through her phone. She never visits a single counter. The second is a young woman who sells vegetables at a weekly market in the Southern Province. She has heard of mobile money and even lives within walking distance of an agent. Yet, she does not own a mobile phone, lacks a regular income, and has never made a digital transaction in her life.

Both women are Rwandan adults. Yet, only one of them is counted among the 85.3% of Rwandan adults who are now digitally financially included, based on the AFR FinScope 2024 Digital Financial Services Thematic Report. This figure places Rwanda among the highest-included countries in sub-Saharan Africa, a remarkable leap from just 46% in 2016. However, behind it lies a more complex story about who digital financial services truly reach and how they do so.

Rwanda’s digital financial inclusion story is one of mobile money. The AFR FinScope 2024 report shows that the vast majority of adults now have access to mobile money services, while banks serve just 1.5% of adults. These mobile money platforms, not bank branches, brought most Rwandans into the financial system. The mobile money services are delivered through basic phones and SIM cards, primarily through providers, such as MTN Rwanda and Airtel Rwanda.

People are drawn to mobile money platforms above all by the need to pay businesses, especially for medical expenses, utilities, and airtime, which top the list. Rwanda’s national digital payment platform is eKash. It enables instant, interoperable transfers across banks and mobile money networks, which makes these everyday transactions seamless.

Government and regulatory action have amplified this momentum. The National Bank of Rwanda’s Payment System Strategy and Law No. 061/2021 mandated interoperability across providers. The Twagiye Kashiresi digital literacy campaign boosted merchant payment volumes, while the COVID-19 period served as an accelerant. Estimates indicate that 9% of Rwandan adults became first-time mobile money users during this period, with an additional 13% who increased their usage.

Yet, access is not the same as use, and use differs from transformation. Rwanda has built a remarkable platform, but the data shows that most people use it primarily for bill payments. The fuller potential of this platform includes digital wage receipts, safe savings, and loan repayment without a branch visit, which remain out of reach for most.

Only 15.4% of adults receive their income digitally. Most of those who do save formally keep their money in a mobile money account, yet informal channels still command a significant share of savings. For many people, especially those with low and unpredictable incomes, savings groups offer a more flexible, accessible, and trusted way to manage money. Village savings and loan associations (VSLAs) are groups that allow small, frequent contributions and quick access to funds when needed, and only 14% of borrowers repay loans digitally.

Rwandans use digital accounts for transactions, but not yet as tools for financial management. This is the access-usage gap, and it matters because the transformative potential of digital finance lies not in the payment itself, but in what the payment can unlock.

The 1.2 million adults who remain entirely excluded have a clear profile. Rural residents comprise 84.7% of this group, and women account for 61.2%. Half of the excluded are young, and 80% have not progressed beyond primary school. Casual workers and street vendors account for nearly half of this group at 44.9%, and most earn irregular incomes with no steady relationship with any financial institution.

The primary barrier is simple and concrete, as 68% of non-mobile money users cite a lack of cell phone ownership as the main reason for not using mobile money. It is not the complexity of service, high fees, or distrust of the system. The network infrastructure around many of these people already exists, with 69.6% of excluded adults living within reach of a reliable Global System for Mobile Communications (GSM) signal. The infrastructure is largely in place, but most excluded adults do not own a device.

Beyond devices, attitude plays a role. Many excluded adults prefer to deal with people rather than machines and prefer cash payments. These attitudes are not irrational preferences, as they reflect trust, habit, and the social fabric of informal financial life, but they are also addressable. 65.3% of excluded adults live within 1 km of a mobile money agent, which means the last mile is shorter and more solvable than it seems.

Exclusion also has a gender dimension, as two out of every three excluded adults are women. The gender gap in digital financial inclusion is present across all age groups and widens with age, which reflects deeper structural constraints. Lower phone ownership, less control over household income, and reduced exposure to formal financial services all play a role.

Kenya’s M-Pesa is the most-cited comparator for Rwanda. M-Pesa turned a payment tool into an economic lifeline in Kenya, with more than 34 million subscribers and 300,000 agent outlets. It enabled microloans, salary disbursement, and integration into government services. The lesson is that coverage and ecosystem depth determine how widely people use a platform.

India’s Aadhaar-enabled ecosystem offers a second model for Rwanda. India simplified the account-opening process and enabled direct benefit transfers at scale by linking biometric identity to financial access. Rwanda’s existing national ID infrastructure and eKash platform are natural foundations for a similar approach, particularly for the Umurenge SACCOs and cooperatives that remain only partially connected to the national payment switch.

Nigeria’s interoperability push shows how cross-platform connectivity expands trust and use among previously excluded populations. Rwanda’s eKash is already a move in this direction. Yet, full extension to savings and credit cooperative organizations (SACCOs) that serve rural communities remains an unfinished piece of the puzzle.

On the technology frontier, AI credit models can use mobile money transaction history to extend small loans to users without formal credit records. Rwanda’s planned CBDC pilots from 2026 offer an entry point to bring excluded populations into the digital system for the first time through transparent government-to-person payments. These tools shift the system from access to utility.

Rwanda’s digital financial inclusion journey has reached an inflection point. The groundwork is largely in place, with the mobile money built, agent networks expanded, and the near-universal access achieved in urban areas. The country should be proud of this next step that goes beyond technology to reach a point where digital financial services become genuinely useful and trusted. These services should reach the vegetable seller in the Southern Province, the rural woman without a phone, and the young casual worker who has never had a reason to go digital.

Affordable devices, liquid networks of well-trained agents in the most underserved zones, and products designed for irregular incomes rather than salaried employees alone must drive the next step. It means fee transparency, local-language interfaces, and patient community-level work to build digital confidence where cash remains the default.

The AFR FinScope 2024 report provides Rwanda’s policymakers, providers, and development partners with a precise map of where the gaps are and who carries them. Rwanda has solved access, and the next step will not be measured by the number of accounts opened, but by the lives changed.

This blog draws on findings from the AFR FinScope 2024 Digital Financial Services Thematic Report, published by Access to Finance Rwanda.