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Impact of new technologies on financial inclusion

Author

Listed:
  • Esther Barruetabeña

Abstract

Advances in new technologies give millions of people who experience financial exclusion globally the opportunity to access and use financial services. This article describes the main benefits of financial innovation, particularly in emerging economies. It also identifies the main challenges associated with financial innovation, including the potential effects of digitalisation on financial exclusion, and possible ways to address these.

Suggested Citation

  • Esther Barruetabeña, 2020. "Impact of new technologies on financial inclusion," Economic Bulletin, Banco de España, issue 1/2020.
    • Handle: RePEc:bde:journl:y:2020:i:03:d:aa:n:05
    Note: Analytical Articles
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    File URL: https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/InformesBoletinesRevistas/ArticulosAnaliticos/20/T1/descargar/Files/be2001-art5e.pdf
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    More about this item

    Keywords

    digitalisation; mobile money; bigtech; big data; artificial intelligence; digital identification; financial education;
    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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