This article examines how financial literacy and digital inclusion jointly shape women’s financial outcomes in developing economies. Women have made substantial gains in access to financial accounts over the past decade, yet access alone has not delivered equal capability, use, or protection. Using a structured narrative review combined with a descriptive synthesis of the latest cross-country indicators from the Global Findex 2025, the GSMA Mobile Gender Gap Reports, and the OECD/INFE survey, the study maps gender gaps along an access– capability–use–outcome chain. The findings show that the gender gap in account ownership in low- and middle-income countries has narrowed to five percentage points, whereas women remain 12% less likely than men to use mobile internet and 36% less likely to own a mobile money account. Payments received directly into women’s own accounts emerge as a powerful entry point, but only when combined with gender-intentional product design and complementary skills. The article argues that financial education, digital skills, and affordable, safe products should be delivered as a single package, and it sets out five policy priorities for governments, regulators, and financial service providers.