¿Qué papel desempeñan los sistemas de pago y el Open data en la inclusión financiera?
The article argues that true financial inclusion depends less on simple access to credit and more on the efficiency of payment systems and information management. By reducing reliance on cash, which accounts for the majority of global transactions, it is possible to stimulate economic growth, increase transparency, and lower operational costs. This transition toward electronic payment methods is crucial for weakening illegal economies and enhancing user security, marking a clear direction for the future of the financial market. However, the widespread adoption of digital payments faces significant structural barriers. Inequality in technological infrastructure between urban and rural areas, combined with market fragmentation due to multiple providers using incompatible protocols, limits interoperability and excludes marginalized communities. Moreover, the informal economy’s resistance to abandoning cash slows this transition, maintaining significant gaps in the penetration of digital financial services and hindering equitable participation in the digital economy. In response, the Central Bank of the Republic is developing an immediate and interoperable payment system designed to reduce frictions and costs, managed through a centralized directory. This approach aims to democratize access to fast and secure transfers, regardless of the financial institution involved. It is relevant to open data because it requires standardizing and sharing customer data among entities to enable interoperability. The creation of this centralized directory and the regulation of technology platforms are essential steps to ensure that the financial data infrastructure is inclusive, transparent, and capable of effectively connecting the entire population with the formal economic system.
Source: larepublica.coPublished on 2024-06-12