Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals

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After reviewing 1,045 articles identified from the initial search, a final set of 85 articles were analysed based on a search of the research type, research classification, and thematic focus. Of the collected articles, 58 were India-centred and 20 were from other emerging economies. It was identified throughout the literature that digital literacy impacts women’s access to information, networks, and entrepreneurship opportunities, whereas financial literacy improves women’s ability to make informed economic decisions and enhances their financial literacy. The combined outcome of digital and financial literacy provides the tools needed for women to reduce poverty and structural inequity. Furthermore, themes of education, access, and ability (in terms of infrastructure) are discussed as significant constraints to women’s empowerment. The results provide additional support for proactive integrated literacy initiatives that are gender responsive. In terms of policy recommendations, our findings suggest that there should be more integrated and responsive literacy programs embedded in national development agendas, in accordance with strategic global SDG initiatives, to improve socially positioned and sustainable development." } { "@context": "http://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": "1", "item": { "@id": "https://f1000research.com/", "name": "Home" } }, { "@type": "ListItem", "position": "2", "item": { "@id": "https://f1000research.com/browse/articles", "name": "Browse" } }, { "@type": "ListItem", "position": "3", "item": { "@id": "https://f1000research.com/articles/13-1364/v2", "name": "Digital and Financial Literacy for Uplifting Women and Achieving Sustainable..." } } ] } Home Browse Digital and Financial Literacy for Uplifting Women and Achieving Sustainable... ALL Metrics - Views Downloads Get PDF Get XML Cite How to cite this article Mishra D, Kandpal V, Agarwal N et al. Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.12688/f1000research.156744.2 ) NOTE: If applicable, it is important to ensure the information in square brackets after the title is included in all citations of this article. Close Copy Citation Details Export Export Citation Sciwheel EndNote Ref. Manager Bibtex ProCite Sente EXPORT Select a format first Track Share ▬ ✚ Review Revised Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] Deepak Mishra 1 , Vinay Kandpal 2 , Naveen Agarwal 3 , [...] Rakesh Kumar https://orcid.org/0000-0002-8040-1976 4 , Rajesh singh 5 , Neeraj Priyadarshi 6 , Bhekisipho Twala 7 Deepak Mishra 1 , Vinay Kandpal 2 , [...] Naveen Agarwal 3 , Rakesh Kumar https://orcid.org/0000-0002-8040-1976 4 , Rajesh singh 5 , Neeraj Priyadarshi 6 , Bhekisipho Twala 7 PUBLISHED 13 Mar 2026 Author details Author details 1 School of Business, University of Petroleum and Energy Studies, Dehradun, Uttarakhand, 248007, India 2 Department of Management Studies, Graphic Era Deemed to be University, Dehradun, Uttarakhand, 248002, India 3 Centre for Continuing Education (UPESON), University of Petroleum and Energy Studies, Dehradun, Uttarakhand, 248007, India 4 Uttaranchal Institute of Management, Uttaranchal University, Dehradun, Uttarakhand, India 5 Uttaranchal Institute of Management, Uttaranchal University, Dehradun, Uttarakhand, India 6 Department of Electrical Engineering, JIS College of Engineering, Kalyani, West Bengal, India 7 Digital Transformation Portfolio, Tshwane University of Technology, Pretoria, Gauteng, South Africa Deepak Mishra Roles: Conceptualization, Data Curation, Formal Analysis, Methodology, Project Administration, Resources, Visualization, Writing – Original Draft Preparation Vinay Kandpal Roles: Conceptualization, Data Curation, Methodology, Supervision, Visualization, Writing – Original Draft Preparation Naveen Agarwal Roles: Conceptualization, Methodology, Project Administration, Resources, Supervision, Validation, Writing – Review & Editing Rakesh Kumar Roles: Formal Analysis, Funding Acquisition, Project Administration, Validation, Writing – Review & Editing Rajesh singh Roles: Data Curation, Funding Acquisition, Methodology, Resources, Supervision, Writing – Review & Editing Neeraj Priyadarshi Roles: Formal Analysis, Funding Acquisition, Methodology, Resources, Supervision, Visualization, Writing – Review & Editing Bhekisipho Twala Roles: Funding Acquisition, Investigation, Methodology, Visualization, Writing – Original Draft Preparation OPEN PEER REVIEW DETAILS REVIEWER STATUS This article is included in the Uttaranchal University gateway. Abstract This systemized literature review, developed according to PRISMA, examines the engagement of digital and financial literacy in the empowerment of women and improvement of the Sustainable Development Goals (SDGs). After reviewing 1,045 articles identified from the initial search, a final set of 85 articles were analysed based on a search of the research type, research classification, and thematic focus. Of the collected articles, 58 were India-centred and 20 were from other emerging economies. It was identified throughout the literature that digital literacy impacts women’s access to information, networks, and entrepreneurship opportunities, whereas financial literacy improves women’s ability to make informed economic decisions and enhances their financial literacy. The combined outcome of digital and financial literacy provides the tools needed for women to reduce poverty and structural inequity. Furthermore, themes of education, access, and ability (in terms of infrastructure) are discussed as significant constraints to women’s empowerment. The results provide additional support for proactive integrated literacy initiatives that are gender responsive. In terms of policy recommendations, our findings suggest that there should be more integrated and responsive literacy programs embedded in national development agendas, in accordance with strategic global SDG initiatives, to improve socially positioned and sustainable development. READ ALL READ LESS Keywords Digital literacy, financial literacy, Women's empowerment, Sustainable development goals, Economic independence, Entrepreneurial amenities, Socioeconomic barriers Corresponding Author(s) Vinay Kandpal ( [email protected] ) Close Corresponding author: Vinay Kandpal Competing interests: No competing interests were disclosed. Grant information: The author(s) declared that no grants were involved in supporting this work. Copyright: © 2026 Mishra D et al . This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. How to cite: Mishra D, Kandpal V, Agarwal N et al. Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.12688/f1000research.156744.2 ) First published: 14 Nov 2024, 13 :1364 ( https://doi.org/10.12688/f1000research.156744.1 ) Latest published: 13 Mar 2026, 13 :1364 ( https://doi.org/10.12688/f1000research.156744.2 ) Revised Amendments from Version 1 Abstract updated. Literature updated in Introduction and LR All citations are at the latest (2019-2024). Diversified citations included. The suggested two sections clubbed into one section PRISMA included. Discussion: renamed into findings and discussion. Abstract updated. Literature updated in Introduction and LR All citations are at the latest (2019-2024). Diversified citations included. The suggested two sections clubbed into one section PRISMA included. Discussion: renamed into findings and discussion. See the authors' detailed response to the review by Nurul Hidayana Mohd Noor READ REVIEWER RESPONSES 1. Introduction The modern digital world is quite different from the world we would have known only a few decades ago. Significant developments in technology and digital transformation have already transformed several industries and aspects of our lives in significant ways. Globally, the factors that reflect a country’s development and progress includes financial inclusion, literacy, and female workforce participation ( Duflo, 2012 ). Nonetheless, this also involves women in household financial decisions, which results in better financial health ( Haque & Zulfiqar, 2016 ). There is already evidence that greater female financial independence leads to more spending on families, resulting in broad societal benefits such as greater health and education ( Doepke et al., 2011 ). There is also evidence that greater female employment and earnings correlate with better economic growth and lower gender wage gaps ( Goldin, 2014 ). For women in settings with societal or regulatory barriers, digital platforms currently offer greater opportunities than ever before for earning and learning ( World Bank, 2016 ) and building cross-regional networks and collaborations to break down the insider silos of the past ( Huyer, 2016 ). Identifying the cross-cutting power of women’s empowerment (SDG 5) on other SDGs (e.g., reduced poverty, SDG 1; improved health, SDG 3; and others) is critical ( UNDP, 2016 ). In addition, the positive connections between financial and digital literacy and SDGs such as Quality Education (SDG 4) and Decent Work (SDG 8) are emerging ( UNESCO, 2017 ), and more detailed insights into the nexus of literacy, women’s empowerment, and SDGs can facilitate more focused, targeted, and effective policy interventions ( World Bank, 2018 ). Financial literacy positively relates to intelligence, where meta-analyses report moderate to large effect sizes. Studies show that financial literacy has become more important over time due to increased responsibility for personal retirement planning, growing access to financial goods, the rise of the gig economy, and innovations in fintech services. Financial literacy has also become more relevant amid the recession caused by the COVID-19 pandemic, as individuals face higher levels of financial distress. A recent analysis using survey data spanning 2015-2020 from the US Federal Reserve Board reveals that Americans’ sentiment about their financial lives had significantly improved prior to COVID-19. However, financial stress showed an overall increase following the pandemic, which also caused unemployment rates to soar ( Morgan et al., 2019 ; Walker et al., 2023 ). In recent years, some scholars have seen growing interest in examining the impact of financial literacy on people’s economic decisions. Simultaneously, there has been an increasing provision for understanding and measuring the concept of financial literacy. Today, financial literacy learning has become an essential self-management skill for people living in a family and business activities ( Vieira et al., 2020 ). Rapid changes in the global economy require financial literacy to adapt to new financial models ( Demirguc-Kunt et al., 2018 ). It is seen as a predictor of individual differences in investor attitudes. Cryptocurrencies are negatively associated with higher levels of intelligence after controlling for financial literacy and narcissism, potentially due to the mechanism of cynicism. The rationale for researching digital and financial literacy in relation to women’s empowerment and the SDGs is based on the premise that the empowerment of women is a condition not only of social equity but also of the innovation and efficacy of approaches aimed at attaining ever more ambitious and transformative development goals. In the 21st century, digital and financial literacy will be the key to ensuring that the individuals and communities of today and tomorrow have the capacity to adapt, innovate and prosper. This review will set out how digital and financial literacy affect women’s empowerment and the extent to which women’s empowerment, in turn, affects the framing and delivery of the SDGs. We will map out the literacies’ direct and indirect impacts, highlight successful global initiatives, highlight current challenges, and develop recommendations that can inform policy and strategy for women’s empowerment through improved literacy. 2. Literature review 2.1 Financial well-being and decision making Financial well-being is the state of satisfying all of one’s current and ongoing financial obligations, feeling secure about one’s financial future, and making life-enhancing decisions ( Hudson et al., 2022 ). More specifically, an individual’s financial well-being corresponds to the extent to which the individual feels that he or she (1) has control over day-to-day and month-to-month finances, (2) can absorb a financial shock, (3) is on track to meet his or her financial goals, and (4) has the financial independence to make the decisions that permit one to appreciate life ( Weida et al., 2020 ). Although specific goals and visions of a good life vary from person to person, these four elements reflect two common and consistent themes: security and freedom of choice in the present and for the future. Retirees display high financial literacy, and together with debt anxiety, this is significantly correlated with resource allocation preferences. Financial literacy reduces debt anxiety in men, increases women’s risk tolerance, and is associated with a higher priority for KiwiSaver. Greater debt anxiety is associated with debt repayment, and debt avoidance in old age is critical to long-term well-being ( Noviarini et al., 2023 ). 2.2 Financial literacy Financial literacy refers to the comprehension and awareness of financial principles and potential hazards, along with the abilities, drive, and self-assurance to utilize this knowledge and understanding to make sound choices within diverse financial situations. Its objective is to enhance the financial well-being of individuals and society and promote active involvement in economic activities ( Méndez Prado et al., 2022 ). As in the definition of any PISA domain, the first part of the definition concerns reasoning and behavioral traits that ‘are characteristic of the domain,’ and the second part focuses on why literacy in that specific domain was defined. We find a positive relationship between people with higher levels of financial literacy and persons inclined to Socially Responsible (SR) financial investments, and people inclined to SR financial investments are more likely to favor SR financial intermediaries. Compelling evidence of our result emerges by using different numbers of neighbors. SR investors or those with a higher level of financial literacy are more likely to favor SR financial intermediaries. This implies that in order to attract financially literate customers or SRI retail investors, financial companies must do more than offer traditional and SRI products. In order to become sustainable intermediaries, they need to adopt environmental, social and governance (ESG) strategies ( Cucinelli & Soana, 2023 ). There is a plethora of studies that have examined the link between financial inclusion, financial literacy, and sustainable development and how they are mutually enhanced. However, there is a dearth of literature that explicitly explores this link from the lens of rural agrarian communities, which require development opportunities in finance rather than financial literacy ( Akande et al., 2023 ), and where a more important emphasis should be placed on the role of financial literacy in influencing and improving financial behavior. This link between financial literacy and financial behavior has important implications. The role of limited attention in explaining the positive association between financial literacy and formal bank account ownership, financial market participation, commercial insurance, pension plan ownership and credit card ownership supports the view that individuals with higher levels of financial literacy are more likely to benefit from such counsel due to the ability of greater financial literacy to improve access to specific financial information ( Xu et al., 2022 ). Therefore, we reason that ceteris paribus, individuals with higher financial literacy are more likely to engage in the pursuit of such counsel actively. Furthermore, the extant literature reveals that there is a positive correlation between financial literacy and financial behavior, and specifically, those requiring financial counseling with greater levels of financial literacy are more likely to utilize financial counsel ( Liu & Lu, 2023 ). 2.3 Digital financial literacy The ability to use digital technologies in an effective and responsible manner is referred to as digital literacy. It is inextricably tied to the specific skills, knowledge, and attitudes that lead to utilizing digital devices, applications, and online platforms for communicating, finding information, critiquing, problem-solving, innovating, and creating. The use of Industry 4.0 technologies, such as financial technology (Fintech) and the strategic utilization of organizational resources are major drivers of long-term sustainability and operational efficiency in firms ( Siddik et al., 2023 ). Financial literacy refers to its knowledge, skills, and understanding of financial ideas and principles to make informed choices about financial resources. In the concept of financial literacy, we can find several issues connected with personal finance, including budgeting, savings, investment, borrowing, and debt management. Financial literacy links with the knowledge and understanding of available financial products and services, such as bank accounts, loans, credit cards, insurance, and investments. It also refers to the knowledge of financial information, including statements, budgets, and other documents needed to manage finances, and the ability to analyze what the financial information is delivering for the individual. It also concerns smart decision-making about finances to enable the accomplishment of some short- and long-term financial goals ( Lusardi & Mitchell, 2014 ). Financial capabilities work as a mediator between financial literacy, digital financial literacy, and financial decision-making. DFL is a new concept, and it has received less attention in the field of academic papers. So far, fewer empirical papers have explored the direct effect of DFL on financial decision-making. Skills in the specific domain had a direct impact on decisions made about investing and, consequently, on perceptions of financial well-being. Digital financial literacy, being an indicator of financial decision-making, also emerged as a direct predictor and mediator. The impact of financial aptitude and autonomy as mediators of financial decision-making and well-being is clearer. On the other hand, the influence of impulsivity is almost insignificant in relation to financial decision-making ( Kumar et al., 2023 ). 2.4 Women empowerment The idea of women’s empowerment is about enabling and increasing women’s social, economic, political, and personal resources and capabilities; the concept includes creating an environment in which women are free to make choices and decisions about their lives and work with equality. The advancement of women’s empowerment yields advantages not only for women themselves but also for the broader societal framework. Women’s empowerment enables them to contribute more effectively to various aspects, such as economic growth, poverty reduction, sustainable development, and social progress. This phenomenon fosters a societal environment characterized by inclusivity and equity when the rights and capabilities of every individual are acknowledged and esteemed. Women’s empowerment refers to the systematic progression through which women attain authority and autonomy, enabling them to exercise deliberate decision-making. It is suggested that there is a need for more targeted policies that can effectively address the existing gender gap to promote comprehensive financial inclusion ( Ghosh, 2022 ). The emergence and contribution of women entrepreneurs to the national economy have played a crucial role in the development of a burgeoning nation. Women have commenced making contributions to economic development through their distinct professional endeavors. Women have transitioned from their traditional roles as homemakers to become influential business leaders with the skills and determination to manage a firm and overcome obstacles for their advantage effectively. The increasing IT environment has created extra opportunities for women entrepreneurs to enhance the growth and success of their companies. One crucial aspect that is widely acknowledged as significant in decision-making and organizational activities is the ability to conceptualize and benchmark work. The promotion of positive behavior in women’s entrepreneurship within a specific cultural and societal context serves to enhance empowerment ( Andriamahery & Qamruzzaman, 2022 ). 2.5 Financial resilience The terms “resilience” and “resiliency” have gained significant prominence in discourse since the onset of the mortgage meltdown and subsequent financial crisis. Financial resilience refers to an individual’s capacity to endure and recover from life circumstances that harm their income or assets. The longer-term perspective pertains to one’s connection with finances. Financial inclusion initiatives aim to improve the accessibility of financial services for vulnerable populations, fostering greater inclusivity and financial resilience within societies. The rise of the fintech industry and digital means of payment, coupled with the fact that more than two-thirds of the world’s population now own a mobile phone, all indicate how digital financial literacy is now taking hold in societies worldwide. In response to this shift, it is time to reimagine financial literacy by blending it with digital literacy – something that has important implications for countries aspiring to adopt either a dual-track or a combination approach to improving the long-run resilience of households ( Kass-Hanna et al., 2022 ). India has the highest percentage of inactive bank accounts in the world, at 35 percent ( Dhanamalar et al., 2020 ). According to the Findex survey, 2021, more than 32 percent of women-owned bank accounts in the country are inactive. The country shows the highest gender gap in inactivity, with a difference of 12 percentage points. Surprisingly, fewer than one in five banked women save formally with the bank ( World Bank, 2021 ). 3. Methods We present systematic literature review (SLR) methods to provide an overall analysis and constructive evaluation that investigate, identify, and offer rectification for possible issues for future research. According to Massaro et al. (2016) , SLR is a systematic approach to analyzing scholarly literature to identify insights, provide critical reflections, offer new research directions, and ask research questions. The SLR method collects all the articles on a particular research question and examines it in a systematic manner ( Mukherjee et al., 2017 ). It helps make the review impartial and transparent. It is exhaustive and not as casual as a traditional review ( Bryman, 2012 ; Choong, 2014 ). This study first searched, found and reviewed the financial inclusion and sustainable development literature published from 2013 to 2023 using key terms such as ‘digital and financial literacy,’ ‘financial well-being’, ‘financial resilience’, ‘financial decision making’, ‘investment behavior’, ‘women’s empowerment’, and combines them into the subject level. The papers were then filtered after setting the scope of the review by using the scientific qualification type, such as ‘empirical, review papers’, etc. Articles were investigated first and sieved from high-quality and high-impact journals, which are listed in electronic databases such as Scopus, Web of Science (WoS) /Social Science Citation Index (SSCI)/Journal Citation Report, which holds the list of academic journals with an IF. This search helps to find possible sources of review ( Paul et al., 2017 ). The literature search must be extensive and use as many databases as possible. It is advisable to use many databases with a risk of getting duplicate articles, but it minimizes the chance of missing a significant publication ( Vieira & Gomes, 2009 ). The initial stage of the literature search identified 1045 research articles ( Figure 1 ). Further work was done to refine 85 papers, which were studied and scrutinized for the review type and classification of research, and to categorize them by type of study, primarily focusing on India and emerging economies. Conference proceedings and book chapters were excluded from the research work. Extractions from Scopus and WOS for this study were made on December 30, 2023. The articles selected were analyzed and understood thoroughly, considering the topic's relevance. The research also included secondary data sources such as reports published by institutions such as the World Bank, Asian Development Bank, UNESCO, and ILO. Figure 1. PRISMA Model. 4. Findings and discussion The 2030 Agenda for Sustainable Development advocates for a novel and transformative vision. It outlines 17 linked and indivisible Sustainable Development Goals (SDGs), prioritizing gender equality. Gender equality and women’s empowerment are explicitly prioritized through stand-alone Goal 5 and are integrated throughout the Sustainable Development Goals (SDGs). The UN 2030 Agenda acknowledges multidimensional inequality both inside and within nations, committing to the principle of “leaving no one behind”. The Asian Development Bank (ADB) and the UN Women’s Regional Office for Asia and the Pacific collaboratively conducted the inaugural extensive assessment of gender equality and women’s empowerment in the Asia-Pacific region within the context of the Sustainable Development Goals framework ( The Asian Development Bank & UN Women, 2018 ). Financial inclusion is regarded as a vital metric of progress and is recognized as a facilitator for at least eight of the 17 Sustainable Development Goals (SDGs). Access to bank accounts, loans, insurance, and other financial services directly enhances health, education, and employment results. In turn, such progress helps achieve the collective goals of eradicating poverty, promoting inclusive growth, and reducing inequality. Every transformation initiative delineates crucial investments and regulatory obstacles, necessitating coordinated efforts from certain government entities in collaboration with the private sector and civil society. Hence, it is possible to implement transformations inside governmental frameworks while acknowledging the significant interconnections among the 17 Sustainable Development Goals (SDGs) ( Sachs et al., 2019 ). 4.1 Synergy between digital, financial literacy, women’s empowerment and SDGs Mapping emergent opportunities for digital and financial literacies could be likened to the interlacing of two strands of thread. Each strand both complements and strengthens the other and, depending on how much it is intertwined, the combination yields a stronger, more dynamic whole. The sum of these two literacies together is greater than the two components on their own. The integration of digital and financial literacies can improve favorable outcomes by the following: Increased access and outreach : Digital democratization of financial knowledge has the potential to increase access and outreach by providing members of the public access to a wider range of financial education materials, tools, and services via the Internet. One of the major benefits of the digital age has been the democratization of financial knowledge, which has allowed many people, irrespective of where they live or what their economic status is, to have access to this information via online courses, apps, or websites. Better financial decision-making : The digitally savvy person can use a range of online tools, such as budget trackers, investment apps, and online banking, to help make sound financial decisions. Organizations can quickly assess, evaluate, and act on their financial data, thus making better use of their financial information and, as a result, having better financial governance. Empowerment due to Information : Information is widely available on the Internet, and people can use it to become empowered. Women now have access to information on their rights, benefits, and opportunities via the Internet, which helps them earn more money and be more independent. Better economic participation : Digital technologies enable women to gain better economic participation by taking advantage of the gig economy, e-commerce or other online ventures with digital financial literacy, thereby improving their economic status. Security and transparency : As long as someone has a good understanding of the process involved, digital financial transactions can be more transparent and secure than more traditional methods. In places where women’s access to funds may be restricted, women must be able to exercise covert control over their resources. Broader networks and horizons : Digital literacy means access to networks, communities and markets beyond the geographic area, providing opportunities and potential for growth. With connectivity, alongside financial literacy, greater entrepreneurial opportunities and the possibility of forming mutually productive partnerships could come. Personalized digital financial solutions : Through advanced digital financial platforms enabled by AI and ML technologies, users can receive personalized digital financial recommendations to enhance their financial well-being. Users with sufficient digital literacy skills can explore and access these personalized recommendations to their advantage. Promotion of Sustainable Finance : Although the goals of sustainability are gaining ground at an international level, it is still incumbent upon digital platforms to promote sustainable finance so that people can make the right investment decisions. Digital literacy helps in procuring and utilizing the information and analysis available regarding ethical investments and sustainability-focused financial goals. People with digital literacy can match their financial strategy to the goals of global sustainability. Women can use green microfinance to increase their financial literacy and become more empowered, thanks to their local knowledge and experience. In this case, the indigenous knowledge came from the women’s adherence to the ancestral worship tradition for their Marapu deities. The study aimed to understand if strengthening the pro-literacy (SDG 4) policy could help the government at the local level achieve its goals related to gender equality (SDG 5) and climate change (SDG 13) ( Pathak et al., 2022 ). Digital literacy provides access to a vast digital space with tremendous opportunities, while financial literacy provides the necessary understanding to make the best use of the space. Together, they provide an enabling environment for individuals, especially those who are disadvantaged, such as women, to get access to resources, make informed choices, and build a resilient economic life. The integration process is not only to help people develop their agency but also to promote the growth of the overall economy and stability and further the goal of building a community with a shared future for mankind, a community of shared destiny that is inclusive, fair, and rich. There is a persistent inequality in the access, use, and benefits of digital financial services between genders and socioeconomic statuses and between urban and rural areas in developing countries. By the time we finished the study, we made several recommendations. Most of them were related to better digital infrastructure, simplifying the complex nature of conventional banking, and promoting the importance of financial education, all to support the development of digital financial inclusion in the world ( Tay et al., 2022 ). Patriarchy as a structural barrier, psychological barriers, low income/wage, low financial literacy, lack of financial access, and ethnicity are a few of the barriers that were identified as hindering women’s empowerment. Our extensive literature survey further identified six well-evidenced interventions that were brought about by the government and corporate sector, namely: government/corporate programmes and policies, microfinance, formal savings accounts and services, cash and asset transfer programmes, self-help groups, and digital inclusion. To conclude, although ample research has been conducted in this area, still the literature has excessive gaps, which need to be explored further. 4.2 Underpinning theories The present study investigates two crucial theories. The theory of planned behavior (TPB) and the technology acceptance model (TAM) are two prominent theoretical frameworks that have significantly contributed to the comprehension of human behavior, particularly in relation to the acceptance and utilization of technology. The theory of planned behavior suggests that individuals adopt a very rational decision-making process where they weigh up the pros and cons of their chosen course of action. The theory of reasoned action and the theory of planned behavior both apply to situations where there are arguments for choosing to act or arguments for not choosing to act. According to the theory of planned behavior, the intention is the main determinant of behavior – and what we intend to do is to either do or not do a particular thing. Three aspects of preferences influence the formation of intentions: (i) attitude, that is, one’s evaluation of whether to do or not do a particular thing; (ii) subjective norm or one’s perception of whether other people think that one ought to do, or not do, a particular thing; and (iii) perceived behavioral control or one’s perception of how able or unable one is to do the thing in question. The Theory of Planned Behaviour, one of the most popular theories in social psychology, has been extended by adding perceived behavioral control to offer a complete account of people’s behavioral intentions. General, specific, and situational goals, acting together with measures of behavioral control beliefs, allow for precise predictions of diverse behavioral intentions. Goals plus behavioral control beliefs can account for the range of actual behavior. Together with attitudes and subjective norms, perceived behavioral controls are associated with distinct sets of salient behavioral, normative, and control beliefs, which are specific to the target behavior under consideration. However, the exact nature of these relations remains to be specified. The theory identifies and draws upon three distinct groups of factors. 1) Perspectives or dispositions 2) Subjective norms and prescriptive influence Perceptions of behavioral control refer to a person’s belief that he or she can perform a behavior or task adequately, which recognizes the many factors (internal and external) that can affect the person’s capacity for action. 1) The impact of attitudes on financial decision making : An attitude is a predisposition, affective orientation, or learned tendency to respond favorably or unfavorably towards an idea, individual, or instance. It constitutes the enduring mental framework an individual employs in their interpretation and evaluation of a concept, entity, person, or situation ( Vargas-Sánchez et al., 2016 ). There is also evidence suggesting that financial attitude and financial literacy are positively correlated with the choice of financial instrument, and financial behavior serves as a mediating factor. Rai et al., (2019) investigated whether financial attitude can enhance decision-making and whether financial behavior can mediate this process. The results provide a solid basis for their belief that financial attitude and financial literacy have a positive influence on financial behavior. 2) Effects of perceived subjective norms and prescriptive influence on financial decision-making : Wayne (2022) addressed whether or not the respondent felt that society would approve or disapprove of certain actions. This pertains to an individual’s contemplation of the perceptions of their peers and individuals of significance toward their potential involvement in a particular behavior. Vyvyan et al. (2014) examined the impact of several factors on financial decision-making and effectiveness. The study’s findings indicated that learning behaviors exhibited within the familial context were perceived as influential in shaping individuals’ future financial behavior. 3) The impact of perceived behavioral control on financial decision-making : Perceived behavioral control pertains to an individual’s subjective assessment of ease or difficulty associated with engaging in certain behaviors. The level of self-assurance that somebody possesses in their capability to perform a task substantially influences their subsequent actions. Self-efficacy is crucial in elucidating the connections among beliefs, attitudes, intentions, and behavior. Financial self-efficacy has been identified as a significant determinant of consumer financial decision-making power, as stated by Xiao et al. (2015) . Similarly, it was also discovered that the perception of financial decision-making capabilities tends to rise with advancing age. 4.3 Theoretical contributions In the face of these technological advancements and the fact that the aim of digital literacy is more or less aligned with the 2030 Agenda under the goal of women’s empowerment (and other sustainable development goals, or SDGs), the digital-financial space seems an appropriate context in which to apply the TPB, the TAM and other important models, and to test and refine them for broader applicability. This review of behaviors and technology adoption in this inter-integrated context should help us discern both the flexibility and the limitations of these models. Thinking about ‘perceived behavioral control’ in the context of digital financial literacy might also require a redefinition: perhaps when linked to digital finance, it would be appropriate to consider the existence of underlying social norms or even infrastructure constraints that might transform this construct considerably. In the TAM, we have ‘perceived usefulness’ related to the goal of digital finance, which refers less to the fact that the task is being completed than to more general life goals, such as empowerment and sustainability. The integration of digital instruments into financial decision-making allows for the examination of the interplay between the TPB and TAM constructs. For instance, how does behavioral intention, as proposed by the theory of planned behavior (TPB), impact the usefulness of the technology acceptance model (TAM)? Findings could start to lay the framework for a unified model. Moreover, an analysis of cultural differences might help develop culturally adapted theoretical models, which are vital for global applicability. The environment may be different, hence generating the discovery of important new constructs or dimensions that are not incorporated in the existing theories. Community might be one of the influential factors that emerges in the acceptance of digital financial literacy. This review paper explores the interplay among digital and financial literacies, women’s emancipation, and sustainable development goals (SDGs), aiming to develop more holistic and situation-based frameworks consistent with current global challenges and expectations. 5. Conclusion This article reviews the role of digital and financial literacy and women’s empowerment in their contribution to the Sustainable Development Goals (SDGs). Our findings show that there is a strong two-way causality between women’s digital and financial literacy and their empowerment. It also confirms that improving women’s literacy holistically not only empowers women but also facilitates the achievement of many SDGs. Digital and financial literacy are not only tools but also vehicles. They are bridges that take women across established social boundaries and connections towards other groups around the globe and more fully into the economy. We have seen that empowering women is pivotal to their countries’ sustainable growth, poverty alleviation and equal societies. Large literacy gaps – most notably in Africa and Asia – involve challenges as well as opportunities. Smart investments in literacy in these areas promise to add a multiplicative effect and deliver payoffs in health, education and welfare. Many case studies and projects mentioned show that the route to women’s empowerment through digital and financial literacy, however difficult, is navigable and worthwhile. From grassroots initiatives to global campaigns, governments, nongovernmental organizations, and the corporate sector can work together to create an atmosphere favorable to learning and empowerment. There is a significant gender disparity in financial resilience, whereby men exhibit greater levels of financial resilience behaviors than women. A positive correlation exists between women who are employed and women who have attained higher levels of education and their ability to exhibit enhanced financial resilience ( Zeka & Alhassan, 2023 ). The review found that digital literacy empowers women through improved access to information, education, and entrepreneurial ecosystems, while financial literacy enables improved decision-making, household stability, and economic agency. When taken together, digital and financial literacy provide a strategic framework for breaking the intergenerational cycles of poverty and exclusion, particularly in resource-constrained environments. Nonetheless, assumptions that proficiency in these kinds of literacies can overcome entrenched, systemic barriers, such as culturally embedded gender biases, infrastructural challenges of connectivity and reliable access, and differentiated access to education, continue to hinder the efficacy of literacy-based initiatives. The findings highlight that empowerment of women through a double-literacy lens is necessary and important. The review emphasizes a need for all national policies and global development strategies to include gender-sensitive digital and financial literacy initiatives that are scalable. This will be critical for inclusive, resilient communities and for realising the Sustainable Development Goals. 6. Scope for future research Digital and financial literacy and issues of gender – as they are associated with improved women’s empowerment and the fulfillment of sustainable development goals (SDGs) – is in itself a wide and fast-expanding field. The shifts and transformations we have observed over the past decade already highlight the vastness of potential vistas, the richest to be further explored by both academics and practitioners. A holistic, global framework, however, can only scratch the surface of what it takes to advance the field and create the best conditions for all women to become fully included in the gains of the digital and financial worlds. As much as the socioeconomic indicators aggregate on the surface, complexities inherent in regional scenarios and diversity require more granular analysis. It is justifiably helpful to deepen the insights from the variations of digital and gender societies in more specific contexts, such as the Southeast Asian landscape, where fast urbanization and cultural factors create an interesting dynamic, or in the Middle East, where sociopolitical factors strongly influence women’s trajectory in both digital and financial spheres. Even within regions, differences can be significant. In Africa, for instance, the gap between the pastoral settlements in the Sahel and the urban settings in South Africa can be radical, each presenting its own set of challenges and opportunities. We also need to understand the growing digital divide: while urban areas – as well as the industrialized parts of the world – are moving towards a hyper-connected future, many people, especially women in rural areas, are left behind, without even basic digital infrastructure. Solutions to close the gap, from low-tech digital interventions to community-level initiatives, need to be researched. The role of the private sector, particularly large technology, and financial companies is also worth investigating. Linking other identity components, such as ethnicity, socioeconomic status or age, to gender offers another avenue to a richer, more nuanced understanding. 7. Policy implications The findings of the digital and financial literacy paradigm of women’s empowerment and the achievement of the SDGs have implications for all strata of people, which creates disruptive changes at the individual and societal levels. The implications at the policy frontier is far-reaching. Policymakers have a data-driven paradigm to guide them to develop new evidence-based approaches to advancing gender-equitable empowerment in new spaces. The findings highlight the need to teach digital and financial literacy in existing academic curriculums and for education institutions to evolve into knowledge spaces that foster not just the delivery of the requisite skills to navigate contemporary society but also their development. The implications of the study of digital and financial literacies, women’s empowerment, and their SDGs transcend academic endeavors and are relevant in the policymaking, NGO efforts, technology company mission, and global development strategy space. 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Publisher Full Text Comments on this article Comments (0) Version 2 VERSION 2 PUBLISHED 14 Nov 2024 ADD YOUR COMMENT Comment Author details Author details 1 School of Business, University of Petroleum and Energy Studies, Dehradun, Uttarakhand, 248007, India 2 Department of Management Studies, Graphic Era Deemed to be University, Dehradun, Uttarakhand, 248002, India 3 Centre for Continuing Education (UPESON), University of Petroleum and Energy Studies, Dehradun, Uttarakhand, 248007, India 4 Uttaranchal Institute of Management, Uttaranchal University, Dehradun, Uttarakhand, India 5 Uttaranchal Institute of Management, Uttaranchal University, Dehradun, Uttarakhand, India 6 Department of Electrical Engineering, JIS College of Engineering, Kalyani, West Bengal, India 7 Digital Transformation Portfolio, Tshwane University of Technology, Pretoria, Gauteng, South Africa Deepak Mishra Roles: Conceptualization, Data Curation, Formal Analysis, Methodology, Project Administration, Resources, Visualization, Writing – Original Draft Preparation Vinay Kandpal Roles: Conceptualization, Data Curation, Methodology, Supervision, Visualization, Writing – Original Draft Preparation Naveen Agarwal Roles: Conceptualization, Methodology, Project Administration, Resources, Supervision, Validation, Writing – Review & Editing Rakesh Kumar Roles: Formal Analysis, Funding Acquisition, Project Administration, Validation, Writing – Review & Editing Rajesh singh Roles: Data Curation, Funding Acquisition, Methodology, Resources, Supervision, Writing – Review & Editing Neeraj Priyadarshi Roles: Formal Analysis, Funding Acquisition, Methodology, Resources, Supervision, Visualization, Writing – Review & Editing Bhekisipho Twala Roles: Funding Acquisition, Investigation, Methodology, Visualization, Writing – Original Draft Preparation Competing interests No competing interests were disclosed. Grant information The author(s) declared that no grants were involved in supporting this work. Article Versions (2) version 2 Revised Published: 13 Mar 2026, 13:1364 https://doi.org/10.12688/f1000research.156744.2 version 1 Published: 14 Nov 2024, 13:1364 https://doi.org/10.12688/f1000research.156744.1 Copyright © 2026 Mishra D et al . This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. Download Export To Sciwheel Bibtex EndNote ProCite Ref. Manager (RIS) Sente metrics Views Downloads F1000Research - - PubMed Central info_outline Data from PMC are received and updated monthly. - - Citations open_in_new 0 open_in_new 0 open_in_new SEE MORE DETAILS CITE how to cite this article Mishra D, Kandpal V, Agarwal N et al. Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.12688/f1000research.156744.2 ) NOTE: If applicable, it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS track receive updates on this article Track an article to receive email alerts on any updates to this article. TRACK THIS ARTICLE Share Open Peer Review Current Reviewer Status: ? Key to Reviewer Statuses VIEW HIDE Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions Version 2 VERSION 2 PUBLISHED 13 Mar 2026 Revised Views 0 Cite How to cite this report: Sharma E. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468063 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468063 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 28 Mar 2026 Ekta Sharma , Ahmedabad University, Ahmedabad, Gujarat, India Approved with Reservations VIEWS 0 https://doi.org/10.5256/f1000research.180403.r468063 The study addresses a critical intersection of S DG 5 (Gender Equality) and SDG 8 (Decent Work and Economic Growth), but there are specific areas where the "Systematic" nature of the review and the "Theoretical Depth" can be strengthened.The revised version ... Continue reading READ ALL The study addresses a critical intersection of S DG 5 (Gender Equality) and SDG 8 (Decent Work and Economic Growth), but there are specific areas where the "Systematic" nature of the review and the "Theoretical Depth" can be strengthened.The revised version of your systematic review shows significant progress, particularly in its methodological transparency (PRISMA) and currency of citations. To elevate this work further, I recommend that you move from a chronological or study-by-study summary toward a Thematic Synthesis . Categorizing findings into pillars—such as 'The Access-Usage Gap' or 'Psychological Barriers to Digital Resilience'—would provide more utility to future researchers. Furthermore, I suggest you propose a Conceptual Model in your discussion that illustrates the pathway from digital literacy to financial resilience, specifically moderated by the unique constraints faced by working women (e.g., the 'double-burden' or household hierarchy)." Also please check for some minor issues like in abstract you say 'improvement of the SDG', technically this makes no sense as you are discussing achievement of the SDG instead. Is the topic of the review discussed comprehensively in the context of the current literature? Yes Are all factual statements correct and adequately supported by citations? Yes Is the review written in accessible language? Yes Are the conclusions drawn appropriate in the context of the current research literature? Yes Competing Interests: No competing interests were disclosed. Reviewer Expertise: Sustainability, ethics , innovation & creativity and behaviour I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Sharma E. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468063 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468063 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Views 0 Cite How to cite this report: Garg V. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468059 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468059 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 28 Mar 2026 Vikas Garg , Symbiosis International (Deemed University), Pune, Maharashtra, India Approved VIEWS 0 https://doi.org/10.5256/f1000research.180403.r468059 The article titled "Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals" presents a systematic literature review (SLR) using the PRISMA approach to examine how digital literacy and financial literacy contribute to women's empowerment and the achievement ... Continue reading READ ALL The article titled "Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals" presents a systematic literature review (SLR) using the PRISMA approach to examine how digital literacy and financial literacy contribute to women's empowerment and the achievement of Sustainable Development Goals (SDGs). The authors reviewed 1,045 initial articles, narrowing them down to 85 studies, primarily focused on India and other emerging economies. The study identifies that: Digital literacy enhances access to information, networks, and entrepreneurial opportunities. Financial literacy improves decision-making, financial independence, and economic participation. The integration of both literacies acts as a catalyst for poverty reduction, gender equality, and sustainable development. Key barriers include lack of infrastructure, education gaps, socio-cultural constraints, and gender inequality. The paper also attempts to link findings with theoretical frameworks such as Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM). Is the topic of the review discussed comprehensively in the context of the current literature? Yes Are all factual statements correct and adequately supported by citations? Yes Is the review written in accessible language? Yes Are the conclusions drawn appropriate in the context of the current research literature? Yes Competing Interests: No competing interests were disclosed. Reviewer Expertise: Digital literacy, financial literacy I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Garg V. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468059 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468059 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Views 0 Cite How to cite this report: Rana NP. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468065 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468065 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 28 Mar 2026 Nripendra P Rana , Queen's University Belfast, Belfast, Northern Ireland, UK Approved VIEWS 0 https://doi.org/10.5256/f1000research.180403.r468065 The paper is well written and I will accept it in its current form. The literature review is very comprehensive. The introduction is well motivated. Findings are well articulated. Theoretical contributions are clearly highlighted. I would only suggest that the ... Continue reading READ ALL The paper is well written and I will accept it in its current form. The literature review is very comprehensive. The introduction is well motivated. Findings are well articulated. Theoretical contributions are clearly highlighted. I would only suggest that the authors should write policy implications in parallel to theoretical contributions. The authors should also include some limitations of this research. Is the topic of the review discussed comprehensively in the context of the current literature? Yes Are all factual statements correct and adequately supported by citations? Yes Is the review written in accessible language? Yes Are the conclusions drawn appropriate in the context of the current research literature? Yes Competing Interests: No competing interests were disclosed. Reviewer Expertise: IS/IT Adoption and Diffusion I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Rana NP. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468065 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468065 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Views 0 Cite How to cite this report: Mohd Noor NH. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r467447 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-467447 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 23 Mar 2026 Nurul Hidayana Mohd Noor , Faculty of Administrative Science and Policy Studies, Universiti Teknologi MARA, Seremban, Negeri Sembilan, Malaysia Approved VIEWS 0 https://doi.org/10.5256/f1000research.180403.r467447 The authors have ... Continue reading READ ALL The authors have made the necessary amendments as requested. Competing Interests: No competing interests were disclosed. Reviewer Expertise: Women and gender studies, entrepreneurship, youth studies, and organizational management. I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Mohd Noor NH. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r467447 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-467447 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Version 1 VERSION 1 PUBLISHED 14 Nov 2024 Views 0 Cite How to cite this report: Dinis MAP. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.172103.r348865 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v1#referee-response-348865 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 17 Dec 2024 Maria Alzira Pimenta Dinis , Universidade Fernando Pessoa, Porto, Portugal Not Approved VIEWS 0 https://doi.org/10.5256/f1000research.172103.r348865 It is unclear the region addressed in the title or if global scope The abstract would need to clarify the specific findings as further practical implications The Introduction needs to cite more recent references as connecting paragraphs. This ... Continue reading READ ALL It is unclear the region addressed in the title or if global scope The abstract would need to clarify the specific findings as further practical implications The Introduction needs to cite more recent references as connecting paragraphs. This is applied to the entire piece of text The literature review reveals some expressive similarity, which is also present I the methods section and the discussion section (there seems to be no results section…) All the content mentioned here needs references, as it resulted from the literature review: “4.1 Synergy between digital, financial literacy, women’s empowerment and SDGs” It is not clear to me why this is the point two of the “discussion”: “4.2 Underpinning theories” This part needs references again and further connection “4.4. Theoretical contributions” The conclusions section could address context and methods, findings and implications, limitations and future prospects, all here. The entire articles needs to address full cohesion and streamlining Authors needs to highlight novelty and relevance, compared to existing studies. All older references should be revised As presented, the text is just too descriptive, missing the necessary tables and graphics or schemes Is the topic of the review discussed comprehensively in the context of the current literature? No Are all factual statements correct and adequately supported by citations? Partly Is the review written in accessible language? Partly Are the conclusions drawn appropriate in the context of the current research literature? No Competing Interests: No competing interests were disclosed. Reviewer Expertise: Sustainability I confirm that I have read this submission and believe that I have an appropriate level of expertise to state that I do not consider it to be of an acceptable scientific standard, for reasons outlined above. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Dinis MAP. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.172103.r348865 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v1#referee-response-348865 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Respond or Comment COMMENT ON THIS REPORT Views 0 Cite How to cite this report: Mohd Noor NH. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.172103.r341083 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v1#referee-response-341083 NOTE: it is important to ensure the information in square brackets after the title is included in this citation. Close Copy Citation Details Reviewer Report 02 Dec 2024 Nurul Hidayana Mohd Noor , Faculty of Administrative Science and Policy Studies, Universiti Teknologi MARA, Seremban, Negeri Sembilan, Malaysia Approved with Reservations VIEWS 0 https://doi.org/10.5256/f1000research.172103.r341083 It is an exciting topic, yet several suggestions exist for improving the current paper. The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones. ... Continue reading READ ALL It is an exciting topic, yet several suggestions exist for improving the current paper. The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones. More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. Discussion- rename it into findings and discussion The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects) Xxxx Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Is the topic of the review discussed comprehensively in the context of the current literature? Partly Are all factual statements correct and adequately supported by citations? Partly Is the review written in accessible language? Partly Are the conclusions drawn appropriate in the context of the current research literature? Partly Competing Interests: No competing interests were disclosed. Reviewer Expertise: Women and gender studies, entrepreneurship, youth studies, and organizational management. I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. Close READ LESS CITE CITE HOW TO CITE THIS REPORT Mohd Noor NH. Reviewer Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.172103.r341083 ) The direct URL for this report is: https://f1000research.com/articles/13-1364/v1#referee-response-341083 NOTE: it is important to ensure the information in square brackets after the title is included in all citations of this article. COPY CITATION DETAILS Report a concern Author Response 17 Dec 2024 Vinay Kandpal , $usrAffiliation 17 Dec 2024 Author Response The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR ... Continue reading The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. Literature and supporting statistics updated in Introduction and LR In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. Diversified citations included. The suggested two sections clubbed into one section The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. PRISMA included in Research Methods It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. PRISMA included in Research Methods stating the inclusion and exclusion. Discussion- rename it into findings and discussion: Suggested Changes made in the revised paper. The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Suggested Changes incorporated in revised Version of paper. The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. Literature and supporting statistics updated in Introduction and LR In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. Diversified citations included. The suggested two sections clubbed into one section The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. PRISMA included in Research Methods It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. PRISMA included in Research Methods stating the inclusion and exclusion. Discussion- rename it into findings and discussion: Suggested Changes made in the revised paper. The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Suggested Changes incorporated in revised Version of paper. Competing Interests: No Competing Interest Close Report a concern Respond or Comment COMMENTS ON THIS REPORT Author Response 17 Dec 2024 Vinay Kandpal , $usrAffiliation 17 Dec 2024 Author Response The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR ... Continue reading The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. Literature and supporting statistics updated in Introduction and LR In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. Diversified citations included. The suggested two sections clubbed into one section The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. PRISMA included in Research Methods It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. PRISMA included in Research Methods stating the inclusion and exclusion. Discussion- rename it into findings and discussion: Suggested Changes made in the revised paper. The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Suggested Changes incorporated in revised Version of paper. The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. Literature and supporting statistics updated in Introduction and LR In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. Diversified citations included. The suggested two sections clubbed into one section The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. PRISMA included in Research Methods It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. PRISMA included in Research Methods stating the inclusion and exclusion. Discussion- rename it into findings and discussion: Suggested Changes made in the revised paper. The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Suggested Changes incorporated in revised Version of paper. Competing Interests: No Competing Interest Close Report a concern COMMENT ON THIS REPORT Comments on this article Comments (0) Version 2 VERSION 2 PUBLISHED 14 Nov 2024 ADD YOUR COMMENT Comment keyboard_arrow_left keyboard_arrow_right Open Peer Review Reviewer Status info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions Reviewer Reports Invited Reviewers 1 2 3 4 5 Version 2 (revision) 13 Mar 26 read read read read Version 1 14 Nov 24 read read Nurul Hidayana Mohd Noor , Universiti Teknologi MARA, Seremban, Malaysia Maria Alzira Pimenta Dinis , Universidade Fernando Pessoa, Porto, Portugal Nripendra P Rana , Queen's University Belfast, Belfast, UK Vikas Garg , Symbiosis International (Deemed University), Pune, India Ekta Sharma , Ahmedabad University, Ahmedabad, India Comments on this article All Comments (0) Add a comment Sign up for content alerts Sign Up You are now signed up to receive this alert Browse by related subjects keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2026 Sharma E. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 28 Mar 2026 | for Version 2 Ekta Sharma , Ahmedabad University, Ahmedabad, Gujarat, India 0 Views copyright © 2026 Sharma E. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved With Reservations info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions The study addresses a critical intersection of S DG 5 (Gender Equality) and SDG 8 (Decent Work and Economic Growth), but there are specific areas where the "Systematic" nature of the review and the "Theoretical Depth" can be strengthened.The revised version of your systematic review shows significant progress, particularly in its methodological transparency (PRISMA) and currency of citations. To elevate this work further, I recommend that you move from a chronological or study-by-study summary toward a Thematic Synthesis . Categorizing findings into pillars—such as 'The Access-Usage Gap' or 'Psychological Barriers to Digital Resilience'—would provide more utility to future researchers. Furthermore, I suggest you propose a Conceptual Model in your discussion that illustrates the pathway from digital literacy to financial resilience, specifically moderated by the unique constraints faced by working women (e.g., the 'double-burden' or household hierarchy)." Also please check for some minor issues like in abstract you say 'improvement of the SDG', technically this makes no sense as you are discussing achievement of the SDG instead. Is the topic of the review discussed comprehensively in the context of the current literature? Yes Are all factual statements correct and adequately supported by citations? Yes Is the review written in accessible language? Yes Are the conclusions drawn appropriate in the context of the current research literature? Yes Competing Interests No competing interests were disclosed. Reviewer Expertise Sustainability, ethics , innovation & creativity and behaviour I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. reply Respond to this report Responses (0) Sharma E. Peer Review Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468063) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468063 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2026 Garg V. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 28 Mar 2026 | for Version 2 Vikas Garg , Symbiosis International (Deemed University), Pune, Maharashtra, India 0 Views copyright © 2026 Garg V. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions The article titled "Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals" presents a systematic literature review (SLR) using the PRISMA approach to examine how digital literacy and financial literacy contribute to women's empowerment and the achievement of Sustainable Development Goals (SDGs). The authors reviewed 1,045 initial articles, narrowing them down to 85 studies, primarily focused on India and other emerging economies. The study identifies that: Digital literacy enhances access to information, networks, and entrepreneurial opportunities. Financial literacy improves decision-making, financial independence, and economic participation. The integration of both literacies acts as a catalyst for poverty reduction, gender equality, and sustainable development. Key barriers include lack of infrastructure, education gaps, socio-cultural constraints, and gender inequality. The paper also attempts to link findings with theoretical frameworks such as Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM). Is the topic of the review discussed comprehensively in the context of the current literature? Yes Are all factual statements correct and adequately supported by citations? Yes Is the review written in accessible language? Yes Are the conclusions drawn appropriate in the context of the current research literature? Yes Competing Interests No competing interests were disclosed. Reviewer Expertise Digital literacy, financial literacy I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. reply Respond to this report Responses (0) Garg V. Peer Review Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468059) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468059 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2026 Rana N. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 28 Mar 2026 | for Version 2 Nripendra P Rana , Queen's University Belfast, Belfast, Northern Ireland, UK 0 Views copyright © 2026 Rana N. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions The paper is well written and I will accept it in its current form. The literature review is very comprehensive. The introduction is well motivated. Findings are well articulated. Theoretical contributions are clearly highlighted. I would only suggest that the authors should write policy implications in parallel to theoretical contributions. The authors should also include some limitations of this research. Is the topic of the review discussed comprehensively in the context of the current literature? Yes Are all factual statements correct and adequately supported by citations? Yes Is the review written in accessible language? Yes Are the conclusions drawn appropriate in the context of the current research literature? Yes Competing Interests No competing interests were disclosed. Reviewer Expertise IS/IT Adoption and Diffusion I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. reply Respond to this report Responses (0) Rana NP. Peer Review Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r468065) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-468065 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2026 Mohd Noor N. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 23 Mar 2026 | for Version 2 Nurul Hidayana Mohd Noor , Faculty of Administrative Science and Policy Studies, Universiti Teknologi MARA, Seremban, Negeri Sembilan, Malaysia 0 Views copyright © 2026 Mohd Noor N. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Approved info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions The authors have made the necessary amendments as requested. Competing Interests No competing interests were disclosed. Reviewer Expertise Women and gender studies, entrepreneurship, youth studies, and organizational management. I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard. reply Respond to this report Responses (0) Mohd Noor NH. Peer Review Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.180403.r467447) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/13-1364/v2#referee-response-467447 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2024 Dinis M. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 17 Dec 2024 | for Version 1 Maria Alzira Pimenta Dinis , Universidade Fernando Pessoa, Porto, Portugal 0 Views copyright © 2024 Dinis M. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (0) Not Approved info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions It is unclear the region addressed in the title or if global scope The abstract would need to clarify the specific findings as further practical implications The Introduction needs to cite more recent references as connecting paragraphs. This is applied to the entire piece of text The literature review reveals some expressive similarity, which is also present I the methods section and the discussion section (there seems to be no results section…) All the content mentioned here needs references, as it resulted from the literature review: “4.1 Synergy between digital, financial literacy, women’s empowerment and SDGs” It is not clear to me why this is the point two of the “discussion”: “4.2 Underpinning theories” This part needs references again and further connection “4.4. Theoretical contributions” The conclusions section could address context and methods, findings and implications, limitations and future prospects, all here. The entire articles needs to address full cohesion and streamlining Authors needs to highlight novelty and relevance, compared to existing studies. All older references should be revised As presented, the text is just too descriptive, missing the necessary tables and graphics or schemes Is the topic of the review discussed comprehensively in the context of the current literature? No Are all factual statements correct and adequately supported by citations? Partly Is the review written in accessible language? Partly Are the conclusions drawn appropriate in the context of the current research literature? No Competing Interests No competing interests were disclosed. Reviewer Expertise Sustainability I confirm that I have read this submission and believe that I have an appropriate level of expertise to state that I do not consider it to be of an acceptable scientific standard, for reasons outlined above. reply Respond to this report Responses (0) Dinis MAP. Peer Review Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.172103.r348865) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/13-1364/v1#referee-response-348865 keyboard_arrow_left Back to all reports Reviewer Report 0 Views copyright © 2024 Mohd Noor N. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. 02 Dec 2024 | for Version 1 Nurul Hidayana Mohd Noor , Faculty of Administrative Science and Policy Studies, Universiti Teknologi MARA, Seremban, Negeri Sembilan, Malaysia 0 Views copyright © 2024 Mohd Noor N. This is an open access peer review report distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. format_quote Cite this report speaker_notes Responses (1) Approved With Reservations info_outline Alongside their report, reviewers assign a status to the article: Approved The paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved Fundamental flaws in the paper seriously undermine the findings and conclusions It is an exciting topic, yet several suggestions exist for improving the current paper. The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones. More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. Discussion- rename it into findings and discussion The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects) Xxxx Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Is the topic of the review discussed comprehensively in the context of the current literature? Partly Are all factual statements correct and adequately supported by citations? Partly Is the review written in accessible language? Partly Are the conclusions drawn appropriate in the context of the current research literature? Partly Competing Interests No competing interests were disclosed. Reviewer Expertise Women and gender studies, entrepreneurship, youth studies, and organizational management. I confirm that I have read this submission and believe that I have an appropriate level of expertise to confirm that it is of an acceptable scientific standard, however I have significant reservations, as outlined above. reply Respond to this report Responses (1) Author Response 17 Dec 2024 Vinay Kandpal, The recommendations are as follows: Most of the citations in the introduction part are obsolete. Please replace them with the recent ones.- Literature updated in Introduction and LR More sentences should be added to the introduction to highlight the issues faced by women (lack of financial literacy and digital financial literacy). Please provide evidence and statistics. Literature and supporting statistics updated in Introduction and LR In the LR section, some sections are irrelevant (e.g., financial resilience and women empowerment). Perhaps you can combine these two sections into one section, such as The Challenges faced by Women in Achieving Financial Well-Being. Thus, under this one section, the authors can discuss the financial well-being concept, financial constraints, and strategies to empower women to achieve financial well-being. Then, follow with the financial literacy section and digital financial literacy section. Please make sure all citations are at the latest (2019-2024). And please diversify your citations. Diversified citations included. The suggested two sections clubbed into one section The SLR technique is not straightforward in the methodology section because the authors do not determine the method used. For example, ROSES or PRISMA. PRISMA included in Research Methods It would be better if the researchers could provide diagrams for conducting SLR. For example, the PRISMA flow diagram (please check on it). The inclusion and exclusion criteria for articles need to be clearly stated. PRISMA included in Research Methods stating the inclusion and exclusion. Discussion- rename it into findings and discussion: Suggested Changes made in the revised paper. The most critical flaw in this article is your findings/discussion part, where the researchers are encouraged to organize it into research objectives. Because the readers are not clear from the introduction section. For example, in the introduction section, the authors need to list out the sub-objectives of their paper. For example: To identify the impact of financial literacy To assess the importance of digital financial literacy For instance, the current trends of research in financial and financial digital literacy (i.e., the theory underpinning and methodological aspects Thus, organizing your findings and discussion will be more apparent because you can discuss your SLR findings based on the objective. The current content is confusing and not clear. After you have presented your findings. You can consult the theoretical, policy, or practical contributions and close the manuscript with the conclusion section. Suggested Changes incorporated in revised Version of paper. View more View less Competing Interests No Competing Interest reply Respond Report a concern Mohd Noor NH. Peer Review Report For: Digital and Financial Literacy for Uplifting Women and Achieving Sustainable Development Goals [version 2; peer review: 3 approved, 1 approved with reservations, 1 not approved] . F1000Research 2026, 13 :1364 ( https://doi.org/10.5256/f1000research.172103.r341083) NOTE: it is important to ensure the information in square brackets after the title is included in this citation. The direct URL for this report is: https://f1000research.com/articles/13-1364/v1#referee-response-341083 Alongside their report, reviewers assign a status to the article: Approved - the paper is scientifically sound in its current form and only minor, if any, improvements are suggested Approved with reservations - A number of small changes, sometimes more significant revisions are required to address specific details and improve the papers academic merit. Not approved - fundamental flaws in the paper seriously undermine the findings and conclusions Adjust parameters to alter display View on desktop for interactive features Includes Interactive Elements View on desktop for interactive features Competing Interests Policy Provide sufficient details of any financial or non-financial competing interests to enable users to assess whether your comments might lead a reasonable person to question your impartiality. 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