Paysend white paper - Digital money transfers and the empowerment of women

All over the world, gender inequality makes it difficult for women to enjoy the same level of financial independence and inclusion as their male counterparts.
This is most evident in low-income countries, where financial infrastructure, socio-economic situations and prejudiced behavioural attitudes prevent women from taking control of their own financial destiny. Digital money services - particularly digital money transfers - are a way to change this.
Our white paper, entitled Digital money for inclusion. How FinTech is supporting the empowerment of women, explores the importance of digitisation of money transfers in creating a more inclusive financial world for women. By extensively using data from the World Bank and a number of other sources, the white paper aims to connect the dots between financial exclusion, digital money and gender equality.
You can download the white paper below:
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Bank wire transfers via SWIFT, SEPA, and ACH power most institutional cross-border payments through established bank networks, while digital services like Paysend streamline personal remittances with direct-to-card transfers* and upfront pricing. This article explains how each system works, its structural trade-offs for everyday international senders, and why Paysend may be more practical for expats, migrant workers, and freelancers, though bank wires remain essential for corporate needs.
This comparison matters most for individuals sending money internationally for personal or family reasons – such as expats supporting relatives, migrant workers paying rent, international students covering tuition, or freelancers handling recurring transfers – rather than corporate treasury operations or large institutional settlements.
Comparisons reflect general industry characteristics and may not apply to all transactions or providers.

Paysend makes it easy to send money to Moldova. Transfers can go straight to eligible Visa Debit cards or bank accounts – often within minutes depending on the recipient’s card issuer, payment method, and required checks With a simple fixed-fee model, you always know what you’ll pay. It’s a straightforward way to send money to Moldova online using card-to-card transfers.
Paysend operates as part of a global payments infrastructure designed to support continuous, reliable money movement across borders. Our international money transfer service allows users to send money to more than 100+ countries, including Moldova, using card networks such as Visa.