I see what you're saying. I just think you're underestimating the additional psychological barriers that she would have to overcome to see an app on her phone as a better bank than these two alternatives, as woeful as they seem to us. She probably doesn't trust Egyptian banks, and what you're suggesting to her to replace it is effectively a bank without any branches or support phone numbers, with a currency she can never hold in her hands, that her husband, employer, religious teachers and government don't want her to know about or have. Plus the inertia, whether it is or isn't haram, and risk to her financial or personal safety of stepping into this with what little savings she has earned. And then the other risks like losing her phone (or it being taken), reliable access to app stores, on and off ramps. And all this before the fact that there is a low but not zero risk that the app developer she relies on may in fact have a back door and rug her.
I'd love what you say to eventuate but I think it would require a profound cultural shift rather than just a technological one, eg her husband and employer would pay her in it before this.
I guess if she spent enough time on Nostr and that offered her a wallet that she could somehow load cash onto, and enough people she talked to frequently could convince her to use, that might be a path, but I still think on balance adoption by men will outpace women in these regions for all the reasons above.