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84% of female entrepreneurs use digital payments; 38% tap credit platforms

A DBS Bank India and Deloitte study shows female founders are the most active users of digital financial tools and are rapidly graduating to complex credit ecosystems.

84%Female entrepreneurs using digital payments

Startups2 min read

If you want to know who is actually driving the massive adoption of B2B fintech in India, look at female entrepreneurs.
Image: Finsamudra LinkedIn archive
38%Using digital loan and credit platforms
29%Using digital brokerage and investment platforms

Female entrepreneurs in India are leading the adoption of digital financial platforms, according to a new "Women and Finance" report from DBS Bank India and Deloitte. The study found that 84% of female entrepreneurs surveyed are actively using digital payment tools, making them the most active users across all surveyed demographics.

The data reveals that female founders are moving beyond basic payment collection. While UPI has become a baseline, they are now engaging with sophisticated digital financial ecosystems: 38% are actively using digital loan and credit platforms to fund business growth, and 29% are using digital brokerage and investment platforms.

These female-led businesses are managing complex operations entirely through digital channels—from payroll processing to vendor credit and large B2B transaction volumes. This shift marks a departure from the legacy banking sector's historical treatment of female entrepreneurs as a niche or microfinance segment.

The scale and sophistication of this demographic represents a significant gap between what Indian banks currently offer and what the market demands. Female founders are digitally native business owners with the operational complexity and funding needs of mid-market enterprises, but many legacy institutions have not evolved their product offerings accordingly.

Banks and fintech platforms that build deeply integrated digital credit ecosystems tailored to support female-led businesses stand to capture market share over the coming decade. The opportunity lies in moving beyond transactional tools to offer end-to-end financial infrastructure.

Why it matters

For loan distributors and DSAs, this trend signals a growing, underserved lending segment with genuine demand for structured credit products. Female entrepreneurs at this sophistication level are creditworthy borrowers with recurring revenue, vendor relationships, and measurable cash flows—precisely the profile that supports reliable loan origination and lower default risk.

Banks and NBFCs that fail to build specialized credit products and distribution channels for this demographic will cede market share to fintech players building vertical-specific solutions. For connectors and DSAs, the early-mover advantage lies in understanding female-led business cash flows and designing credit products (working capital, vendor financing, growth loans) that map to their actual operating needs rather than generic MSME templates.

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Finsamudra DeskNewsroom · 29 Jun 2026, 11:45 am IST
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