Accelerating Inclusion: How GCash is leveling the playing field for women through responsive digital financial tools

“At GCash, we don’t just celebrate women—we invest in their success. Women are leaders, innovators, and changemakers, and their resilience drives not just our company but entire communities forward. Through our initiatives, we are creating an ecosystem where women have the tools to thrive in and beyond their careers. When women rise, we all rise. This informed our belief that empowering women leads to uplifting communities, and this is why GCash has always set out to confront the barriers and biases existing on both individual and systemic levels. Having long pursued meaningful partnerships to bring tech for good to more unbanked and underserved sectors, our experience at GCash has taught us that collaboration is the key to advancing gender equality. However, if we maintain our current pace, per the World Economic Forum, we stand to achieve full gender equality only in the year 2158. We at GCash feel the urgency now more than ever—and we know the only way we can move the needle and advance equality is if more of us work together.” ~Martha Sazon, President & CEO of Mynt, the holding company of GCash 

GCash empowers women through financial solutions that help them thrive in the digital economy

The largest cashless ecosystem and top finance app in the Philippines, GCash, reaffirms its dedication to accelerating action and inclusion in order to promote women's economic empowerment through innovation and technology. 

As part of its "Finance For All" objective, GCash keeps looking for methods to remove obstacles to inclusion, pushing beyond digital financial solutions to build a responsive digital economy that supports the success of women.

As it further committed itself to tactics that enhanced gender equality, GCash answered the call of International Women's Day (IWD) 2025, the global day recognizing women's social, economic, cultural, and political accomplishments. With its own theme, "Accelerate Action, Accelerate Inclusion," GCash celebrated Women's History Month by giving women the resources they need to make better financial decisions, invest in their future and themselves, and take charge of their money in order to become financially independent. This aligned with this year's IWD theme, "Accelerate Action."

The inclusion of women as key to nation-building 

As the organization driving the National Strategy for Financial Inclusion (NSFI), GCash continues to support the Bangko Sentral ng Pilipinas (BSP), which views financial inclusion as a means of achieving equitable and sustainable national development.

The BSP developed strategies for coordinating a nationwide approach to inclusive growth and financial resilience for all Filipinos when developing the NSFI 2022-2028 strategy in 2019.  As a result, the BSP and GCash recognized women's position as a critical metric in sectors related to the advancement and welfare of the country.

Empowerment through effective access

Account ownership is a key sign of financial inclusion, and it has been noted that lack of access to financial institutions is a fundamental systemic barrier.  Seven out of ten adult Filipinos were classified as financially excluded in the 2021 BSP Financial Inclusion Survey.  The survey also determined which sectors in the Philippines are underserved: youth, women-owned and women-led micro, small, and medium-sized companies (MSMEs), the labor sector, and the agriculture sector.

By allowing the absence of identification documents, credit histories, and other documentation frequently needed by traditional banking institutions to provide access to basic financial services, GCash has assisted in overcoming this obstacle. By using technology as a vehicle for good and democratization, the fintech pioneer has chosen to employ alternative data based on a user's digital footprint, updating and making financial solutions more accessible.

From saving and money transfers to investing and insurance, GCash makes sure that all of its products are adaptable and responsive, ready to satisfy certain requirements and customize services as needed.  This has made it possible for access to be both efficient and widely available.  Women now have access to an e-wallet and a wider financial ecosystem; five out of ten GSave users are female, and the majority of them live outside of Metro Manila. Five out of ten registered GCash users are female.

Furthermore, women now have more access to comprehensive protection. With a variety of insurance products, including coverage packages for life, health, business, auto, and more, seven out of ten GInsure consumers are women. With GInsure, GCash has revolutionized the insurance business by providing one of the lowest premiums in the Philippines, making insurance accessible and inexpensive.

A focus on women’s economic empowerment 

GCash wants to develop its digital financial ecosystem and innovate more in order to promote equality and inclusion even more.  Women-led MSMEs and the development of private-public partnerships to ensure an intersectional approach are the main topics of this agenda.

More than 6.9 million Filipinos, including those from grassroots sectors (such as farmers, sari-sari store owners, and public market sellers), have already received more than PhP 186 billion in loans from GCash, which provides assistance to meet the particular difficulties encountered by women. 

One method GCash levels the playing field is by offering inclusive and equitable loans that were previously unavailable to the great majority.  Six out of ten GLoan users are women, demonstrating the company's success in facilitating women's access to finance and assets. This is ascertained using GCash's proprietary credit scoring engine, GScore, which has transformed the microlending industry by using transactional behavior as a stand-in for assessing a user's creditworthiness.

Additionally, GCash makes sure that programs that support women's economic empowerment run all year long. Through the use of a multi-sectoral approach to projects, GCash works with local government entities, non-governmental organizations, educational institutions, and others to increase its influence and reach.

In order to promote gender-inclusive finance and ensure its sustainability after 2025, GCash plans to build on current accomplishments.  Maintaining its commitment to "Finance For All," GCash's future pledge is based on expediting the integration of women into underserved, vulnerable industries, guaranteeing that no one is left behind in the process of achieving financial empowerment.