Leveraging Digital Finance for Women Migrant Laborers in Kerala: Empowerment, Block chain and Financial Inclusion study of migrant women in Thiruvalla municipality

ABSTRACT
Kerala represents a large segment of women migrant labourers which has significantly added to the labour force of the state
over the recent years. Domestic work, agriculture, construction, hospitality are some of the prominent sectors where these
women are mostly engaged in. Though the women minority play a crucial role, they frequently struggle with issues including
financial exclusion, low financial literacy, exploitation susceptibility, and restricted access to safe financial services. Many
of these problems may be resolved by the emergence of digital finance platforms, which offer transparent, safe, and easily
available financial services. The purpose of this study is to investigate digital finance solutions and use of digital tools among
women migrant community which if explored well, can improve financial inclusion, security, and empowerment of Keralan
women migrant workers. Furthermore, it also enhances ease of managing finance in their daily life. With a sample size of 75
women migrants, this paper attempts to determine the degree of knowledge regarding digital finance tools and evaluate the
effect on financial inclusion in person and across the web. It also investigates how block chain ensures security and
transparency in financial transactions and provide recommendations for enhancing women migrant workers' access to
enhanced use of digital finance.