THE ROLE OF DIGITAL FINANCIAL SERVICES IN WOMEN ENTREPRENEURS’ ACCESS TO E-COMMERCE IN EMERGING ECONOMIES

Abstract

E-commerce allows women-owned businesses to reach buyers beyond local markets, but reliable internet access, digital payments and suitable finance remain unevenly available across emerging economies. The relationship between payment systems, platform costs, digital skills and operating expenses shapes the financial value of online sales. Evidence from international reports indicates that access to an online marketplace alone does not ensure stable earnings. Sustainable participation depends on secure transactions, control over business funds, affordable fulfilment and support adapted to enterprise needs