Fintech: A New Way for Women's Digital Financial Inclusion
Dear all,

Our questionnaire, within the European CA19130 project on fintech and artificial intelligence in finance entitled "Fintech: A New Way for Women's Digital Financial Inclusion," is anonymous and has no way to identify you. Through this research, we try to get some answers in order to contribute to the financial inclusion of women. These results will be used for study purposes.

This study is organized by several universities in different countries, such as Albania, Ireland, Italy, Kosovo, Poland, Romania, and Turkey.

The answers must be given by referring to your cohabiting family unit, unless otherwise specified. When referring to the respondent, it refers to the main income earner within the family unit or the representative member of the family (e.g., parent, guardian, etc.). Filling out the questionnaire is optional and can be stopped at any time.

The answers will be collected and processed anonymously by the University of Prishtina "Hasan Prishtina" for research and statistical analysis purposes on aggregate or anonymous data, without the possibility of identifying the user. There is no profiling activity. 
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1. FinTech (financial technology) is a term referring to technologies created to improve and automate traditional forms of finance for businesses and consumers. Various financial applications enable us to do a lot of financial transactions (included here are also financial applications on mobile phones). Using the following scales from 1 (strongly disagree) to 5 (strongly agree), please rate the following sentence: *
1
2
3
4
5
I use financial technology because it offers great opportunities for borrowing and saving money
I use financial technology because it offers great opportunities for transfers and payments.
It's easier to set up an account
Financial apps offer more attractive rates or fees
It is easier to exchange currency
2. Using the following scales from 1 (strongly disagree) to 5 (strongly agree), please identify why you prefer to use financial solutions from traditional banking as opposed to FinTechs:    *
1
2
3
4
5
The services or products offered by financial technology are not very clear.
Prefer traditional bank and financial institutions
Lack of trust
Not aware of any options available from Fintech industry
No access to technology
3. Today, these companies are offering various services, and the most advanced ones are payment services. Please, using the following scale from 1 (strongly disagree) to 5 (strongly agree), show your opinion about the influence of financial technology companies compared to other financial institutions in increasing financial inclusion.
*
1
2
3
4
5
Increase the efficiency and speed of financial transactions
Increases accessibility and financial inclusion in rural areas
Increases accessibility for financial inclusion in areas with a non-developed economy
Increase the accessibility of women in financial inclusion who do not have a bank account
4. If it comes to comparisons between other financial institutions and fintech companies, rate from 1 (strongly disagree) to 5 (strongly agree) which one you think has the greatest impact on increasing financial inclusion:
*
1
2
3
4
5
A fintech company/digital platforms, offer more possibilities for borrowing/payments.
Banks today are digitized, offer services, and promote financial inclusion
Digital platforms offer loans (such as peer-to-peer lending) and fundraising (such as crowdfunding) without the bureaucratic procedures that banks have.
Currency exchange apps offered by fintech companies have an impact on increasing financial inclusion
5.If we compare banking services with those of financial technology companies, using the following scales from 1 (strongly disagree) to 5 (strongly agree), indicate which of the following options you think has the greatest impact on financial growth.
*
1
2
3
4
5
A digital platform (like peer-to-peer lending) which enables you to get a quick loan
A tranditional bank that we have to wait almost a month for loan approval
A digital platform to gather funds (like crowdfunding)
Contactless payments with a bank
Contactless payments with a Fintech companies
6. Using the following scales from 1 (strongly disagree) to 5 (strongly agree), which one do you consider a barrier to your financial inclusion? *
1
2
3
4
5
A lack of money or regular income
A legal discrimination
Lower levels of education and financial literacy compare with other genders
The lack of awerness of fintech solutions.
Being suspicious of fintech solutions
7. Using the following scales from 1 (strongly disagree) to 5 (strongly agree), rate what are the most significant technological barriers that prevent a woman from financial inclusion: *
1
2
3
4
5
Mobile network connectivity
Low phone penetration
Labor force participation
Lack of sources to borrow from
Lack of knowledge how to use the technology
Lack of internet
8. Using the following scales from 1 (strongly disagree) to 5 (strongly agree), write your opinion about fintech solutions for financial inclusion: *
1
2
3
4
5
A mobile money account provides a safe place for you to save money.
Improve women’s household decision-making by increasing their control over money
Improve your financial resilience by helping you to accumulate emergency funds and insuring them against adverse events
Increase your investment in education and income-generating activities such as agriculture
Improve your spending on health care;
9. Financial technology has brought many innovations, but in many countries it faces the challenge of legislation. Using scales from 1 (disagree) to 5 (strongly agree), please rate the following sentences: *
1
2
3
4
5
Existing legislation promotes the development of financial technologies and, through them, the financial inclusion.
Legislation hinders the development of financial technologies, including digital platforms.
Actual regulation favors financial inclusion through the banking sector.
10. Using the following scales from 1 (strongly disagree) to 5 (strongly agree), which initiative do you think is more important for increasing women's participation in financial inclusion in your country? *
1
2
3
4
5
Encourage and incentivize private sector involvement to promote the use of financial technology in reaching underserved women customers through innovative regulatory approaches.
Formulate specific guidelines to ensure that any set-up distribution mechanism adopted, or set-up and their location, reflects considerations of women in financial inculsion.
Create a policy guideline or note for central banks that can serve as a vision document for women’s financial inclusion.
Adopting or creating a national gender policy for financial inclusion and a fintech national strategy
11. Using the following scales from 1 (with much difficulty) to 5 (very easily), please show us how the income available to your family allows you to make ends meet.
*
1
2
3
4
5
The income in you family
12. How much is your family's monthly income? *
13. What is the highest education level that you completed?
 *
14. Area of job:
*
15. Gender: *
16. Your age:
*
17. Rural/Urban
Clear selection
18. You Country:
*
19. Your Name: *
Thank you!

We thank you for your participation in the success of the study. For any information and additional comments, please contact at albulena.shala@uni-pr.edu.

For more information on the CA19130 project, you can view the link at https://fin-ai.eu/.

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