This paper documents and analyzes gender differences in the use of financial services using individual-level data from … existence of significant gender gaps in ownership of accounts and usage of savings and credit products. Even after controlling … for a host of individual characteristics including income, education, employment status, rural residency and age, gender …

supervision in every country in the world. The paper concludes by identifying reforms that would improve incentives by increasing … transparency and accountability in government and industry alike. "--World Bank web site …