Breaking Barriers: A study on Female Cash-in Cash-out (CICO) Agents and Their Potential to Drive Financial Inclusion

This study explores the critical role female cash-in cash-out (CICO) agents play to advance financial inclusion across nine countries. It identifies systemic barriers that these agents grapple with, such as social norms, limited financial support, and safety concerns. The study provides actionable strategies to improve the recruitment, retention, and performance of female agents through a lifecycle approach to strengthen digital ecosystems.