Munir Uz Zaman/AFP/Getty Images

Inclusión financiera y algo más

CAMBRIDGE – Como los servicios financieros tradicionales no están diseñados para pequeños depositantes y prestatarios, varios modelos no tradicionales han crecido rápidamente en este mercado no explorado. Pero, sin una hoja de ruta de políticas estratégicas que promuevan aún más el desarrollo de la tecnología financiera (fintech), estos nuevos modelos "conectores" seguirán siendo limitados en términos de los servicios que pueden ofrecer. 

En Kenia, el éxito de M-Pesa, una aplicación móvil para realizar pagos, ha sido completamente transformacional. A PayPal le llevó dos cotizaciones en el NASDAQ y casi dos décadas de operar en la economía más grande del mundo llegar a 188 millones de clientes activos y 282.000 millones de dólares de pagos anuales. Si bien M-Pesa ha estado operando durante menos de diez años en un mercado de ingresos mucho más bajos, el año pasado tenía casi 17 millones de usuarios activos que realizaron transacciones al contado por más de 50.000 millones de dólares.

De la misma manera, bKash hoy domina el sistema de pagos en Bangladesh hasta el punto de que "bKashear" se ha convertido en un vocablo bengalí común, al igual que "Xeroxing", "Hoovering" y "Googling" en inglés.

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