Digital financial-inclusion platforms have gained increasing attention as instruments for economic growth that 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 is 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 post-colonial 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.

中文翻译：

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规范排除？性别、发展和包容性金融平台的局限性

数字普惠金融平台作为促进经济增长的工具而受到越来越多的关注，这些工具也有助于实现减贫和性别平等等发展目标。迄今为止最受好评的数字金融平台之一是 M-Pesa（M 代表移动，比萨是斯瓦希里语的货币）在肯尼亚——通过英国国际发展部沃达丰及其当地合作伙伴 Safaricom 之间的公私合作伙伴关系实现的移动电话汇款服务。自 2007 年推出以来，M-Pesa 以惊人的速度增长，现已被超过 70% 的肯尼亚人口使用。本文将社会法律调查、女权主义政治经济学分析和后殖民文献结合在一起，讨论了 M-Pesa 的包容性监管安排，并研究了它们对性别平等的影响。它表明，虽然这些安排有助于将妇女纳入正规金融体系，但它们未能采取必要的再分配措施来解决导致和再现金融排斥的性别社会经济劣势。