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La influencia de las nuevas tecnologías en la inclusión financiera

Author

Listed:
  • Esther Barruetabeña

Abstract

Los avances en las nuevas tecnologías suponen una oportunidad de acceso y uso de los servicios financieros para millones de personas que permanecen excluidas financieramente a escala mundial. En este artículo se señalan las principales ventajas que la innovación financiera está reportando, especialmente en las economías emergentes, al tiempo que se identifican los principales desafíos asociados, incluidos los potenciales efectos de la digitalización sobre la exclusión financiera, y las posibles formas de abordarlos.

Suggested Citation

  • Esther Barruetabeña, 2020. "La influencia de las nuevas tecnologías en la inclusión financiera," Boletín Económico, Banco de España, issue 1/2020.
    • Handle: RePEc:bde:joures:y:2020:i:03:d:aa:n:05
    Note: Artículos Analíticos
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    File URL: https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/InformesBoletinesRevistas/ArticulosAnaliticos/20/T1/descargar/Fich/be2001-art5.pdf
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    More about this item

    Keywords

    digitalización; dinero móvil; bigtech; big data; inteligencia artificial; identificación digital; educación financiera;
    All these keywords.

    JEL classification:

    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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