Government initiatives and technological advancements have helped to make large numbers of consumers financially included, but that number includes more men than women. Women lag behind men in use of financial tools and mechanisms across every measure, including mobile phone ownership, mobile money use, and bank account ownership. The disparity can be great—as it is in Pakistan, where a women is 42 points less likely than a man to own a phone—or relatively contained, such as Kenya’s a six-point gender gap in mobile money usage. Opening the financial services world to women means greater independence and economic stability for them and their families. Closing the gender gap requires motivating women to adopt financial mechanisms at a rate more rapid than their male counterparts; otherwise, the gap will persist even if usage grows. FII’s annual surveys will continue to track and measure the trend in financial inclusion for women across FII countries.