Alibaba alipay Zhang Peng/Getty Images

¿Por qué crear economías financieramente inclusivas?

SEATTLE – El tema de la cumbre del G20 esta semana en Hamburgo, Alemania, es "forjar un mundo interconectado", y cuando los líderes se pongan a trabajar, muchos de los tópicos de más alto perfil -cambio climático, contraterrorismo, comercio- ocuparán la escena central. Pero la atención que reciba un tema mucho menos conocido de la agenda no será menos crucial para asegurar la prosperidad global: la inclusión financiera digital.

Hoy, unos 2.000 millones de adultos todavía no tienen acceso ni siquiera a los servicios financieros más básicos. La inclusión financiera digital tiene que ver con ampliar el acceso a la economía formal haciendo que herramientas financieras electrónicas -como cuentas de débito a las que la gente puede acceder desde sus teléfonos móviles- sean accesibles y estén disponibles en gran escala.

Cuando los pobres empiezan a usar estos servicios, suceden dos cosas. Primero, manejan el dinero de manera más efectiva -con nuevas maneras de ahorrar, hacer pagos, acceder a crédito u obtener seguros-. Segundo, pasan menos tiempo ocupándose de transacciones financieras simples y más en un trabajo productivo o administrando una pequeña empresa propia. Es más, las ganancias y los ahorros adicionales pueden mejorar la resiliencia de la gente pobre a las dificultades financieras que resultan, por ejemplo, de un gasto médico inesperado o de una mala cosecha estacional.

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