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Fintech e inclusión financiera: los casos de México, Chile y Perú

Author

Listed:
  • Ignacio Esteban Carballo
  • Facundo Dalle-Nogare

Abstract

En este trabajo se propone abordar la temática de las tecnologías financieras, Fintech, y la relevancia que posee en contextos de fomento a la inclusión financiera. Para ello, se realizó una revisión de la literatura, partiendo de los principales conceptos que definen estas dos categorías, rescatando la mención de las microfinanzas como antecesora a la inclusión financiera. Específicamente, se estudian los casos de Chile, México y Perú en su evolución reciente (previa a 2018) concluyendo que, si bien los tres casos han realizado importantes avances, los esquemas institucionales en cada uno son muy diferentes, resultando en oportunidades y desafíos disímiles para cada uno. Se concluye afirmando que los canales que determinan la relación entre las Fintech y la inclusión financiera son extensos y heterogéneos. Es necesario impulsar políticas que comprometan de manera sostenible esfuerzos de los sectores públicos y privados para mantener vigorosos los procesos de inclusión financiera adaptados a las nuevas tecnologías. De manera general, este trabajo arroja luz al proceso de digitalización que atraviesan las finanzas y denota la heterogeneidad propia del mismo. ****** This work addresses financial technology (Fintech) and its relevance in contexts of promotion of financial inclusion. For that purpose, a literature review was conducted using the most important terms that define those two fields, and microfinance was highlighted as the predecessor of financial inclusion. More specifically, the recent evolution (before 2018) of the cases of Chile, Mexico, and Peru was studied to conclude that, although important progress has been made in the three countries, the institutional framework is very different in each one of them, which results in dissimilar opportunities and challenges in every context. It is concluded that the channels that determine the relationship between Fintech and financial inclusion are wide ranging and heterogeneous. Policies that engage sustainable efforts by the public and private sector should be promoted to support financial inclusion processes adapted to new technologies. Overall, this work sheds light on the digitalization processes financial services are undergoing as well as their heterogeneity.

Suggested Citation

  • Ignacio Esteban Carballo & Facundo Dalle-Nogare, 2019. "Fintech e inclusión financiera: los casos de México, Chile y Perú," Revista CEA, Instituto Tecnológico Metropolitano, vol. 5(10), pages 11-34, July.
  • Handle: RePEc:col:000549:017825
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