The Triple Glass Ceiling: the gendered and racialised inequalities of FinTech

三重玻璃天花板：金融科技的性别和种族不平等

• 批准号: 2761087
• 金额: --
• 依托单位: University of Manchester
• 依托单位国家: 英国
• 项目类别: Studentship
• 财政年份: 2022
• 资助国家: 英国
• 起止时间: 2022 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=studentship-2761087
• 关键词: Triple; Glass; Ceiling; gendered; racialised

This doctoral research will apply a critical perspective to FinTech, furthering my research interests that began with my undergraduate dissertation. A significant paradox exists: FinTech is advancing financial services, whilst perpetuating discrimination against women (Sparks and Eckenrode, 2020; Clempner et al., 2020; Brett, 2018). The gender inequalities pervasive across FinTech are the result of discriminatory practices in both the financial (c.f., Ellingrud et al., 2021; McDowell, 1997) and technology (c.f., Nash and Moore, 2019; Massey, 1995) sectors, and within entrepreneurship (c.f. Rose, 2019; Balachandra et al., 2019; Kanze et al., 2017), culminating in a 'triple glass ceiling' for women in FinTech to navigate. The inequalities within FinTech clearly extend across multiple axes of difference. My doctoral research will critically engage with FinTech by drawing upon feminist thought, postcolonial, and decolonial scholarship. Specifically, the research will be structured on asking 'what', 'why', and 'so what'. The initial focus will be on producing a detailed analysis of what the current state of gender and racial diversity is because a detailed quantification of contemporary FinTech diversity remains alarmingly absent in the literature. This will progress to interrogating the racialised and gendered barriers to participation - the why. An important dimension of this enquiry will be investigating any geographical impact: how does the culture and governance of a country influence FinTech diversity? I will develop this to also examine the diversity and barriers within the investment industry (Dempsey, 2021, Kanze et al., 2017). The final part of the analysis will explore the so what; the impact on the wider society. In particular, I want to research the link between the FinTech ecosystem diversity and consumer financial inclusivity (Chen et al., 2021; Bhagat and Roderick, 2020). I will also interweave this with FemTech, a more recent, under-researched phenomenon (FemTech Analytics, 2021; Faubion, 2021).The research will take a mixed methods approach. I will produce a comprehensive database drawn from 1000 FinTech companies across different growth stages, geographies, and subsectors. Each company will be assessed across various measures, for example, executive committee diversity and funding amounts. Statistical analysis will then be applied to investigate particular patterns. 100 semi-structured interviews with a diverse range of individuals within the FinTech ecosystem will also be carried out. Individuals of all genders and from a range of backgrounds will be interviewed, drawn from across the FinTech industry: from FinTech CEOs to new starters, founders, and FinTech angel investors and venture capitalists. The inclusion of interviews is reflective of the increasing uptake of qualitative methods by financial geographers, positively influencing the discipline (Wójcik, 2021). Interviews will allow in-depth lived experiences to be captured , using the interviewee's own frame of reference (Seitz, 2016; McDowell, 1998). This stretches the analysis beyond the numerical into something more tangible and less abstract, which is important for understanding the day-to-day lived experiences for marginalised individuals in FinTech. There is significant potential for my doctoral research to have a profound impact within academic and non-academic circles. A critical interrogation of FinTech is extremely important because of FinTech's growing dominance. Current attention is largely centred on heralding FinTech as a financial zeitgeist full of innovation and potential (Kalifa, 2021; Makina, 2019). However, this elides the significant discriminatory practices that give rise to pervasive inequalities, notably across the axes of gender and race.

这项博士研究将对金融科技应用批判性的视角，进一步推进我从本科论文开始的研究兴趣。存在一个重大悖论：金融科技在推动金融服务的同时，却长期存在对女性的歧视（Sparks 和 Eckenrode，2020 年；Clempner 等人， 2020；Brett，2018）。金融科技领域普遍存在的性别不平等是金融领域歧视性做法的结果（参见， Ellingrud 等人，2021 年；McDowell，1997 年）和技术领域（参见 Nash 和 Moore，2019 年；Massey，1995 年），以及创业领域（参见 Rose，2019 年；Balachandra 等人，2019 年；Kanze 等人，2017 年） ），最终为金融科技领域的女性提供了“三重玻璃天花板”。金融科技内部的不平等显然跨越了多个差异轴，我的博士研究将通过借鉴女权主义思想、后殖民和非殖民学术来批判性地研究金融科技。最初的重点将是对性别和种族多样性的现状进行详细分析，因为令人震惊的是，文献中仍然缺乏对当代金融科技多样性的详细量化。种族和性别参与障碍 - 原因是本次调查的一个重要方面将调查任何地理影响：一个国家的文化和治理如何影响金融科技的多样性？行业（Dempsey，2021；Kanze 等人，2017）。分析的最后部分将探讨对更广泛社会的影响；特别是，我想研究金融科技生态系统多样性与消费者金融之间的联系。包容性（Chen 等人，2021 年；Bhagat 和 Roderick，2020 年）。我还将把这一点与最近研究不足的现象——女性科技（FemTech Analytics，2021；Faubion，2021）结合起来。该研究将采用混合方法。我将根据不同成长阶段、地域和子行业的 1000 家金融科技公司创建一个综合数据库。公司将通过各种措施进行评估，例如，执行委员会的多样性和资金数额将用于调查特定模式，对金融科技生态系统内的不同个人进行 100 次半结构化访谈。所有性别和不同背景的个人都将接受采访，他们来自整个金融科技行业：从金融科技首席执行官到新创业者、创始人，以及金融科技天使投资者和风险投资家。采访的纳入反映了定性研究的日益普及。方法通过金融地理学家，对学科产生积极影响（Wójcik，2021），采访将利用受访者自己的参考框架来捕捉深入的生活经历（Seitz，2016；McDowell，1998）。更具体、更抽象的东西，这对于理解金融科技边缘化个体的日常生活经历非常重要。我的博士研究具有深远的潜力。由于金融科技的主导地位日益增强，对金融科技的批判性质疑极其重要，因为当前的注意力主要集中在将金融科技视为充满创新和潜力的金融时代精神上（Kalifa，2021；Makina，2019）。然而，这消除了导致普遍存在的严重不平等的歧视性做法，特别是在性别和种族方面。