Samburu woman uses mobile phone in North Kenya before Lake Turkana Festival David Mbiyu/Getty Images

La promesa de las finanzas digitales

BERKELEY – Una revolución de desarrollo económico yace, literalmente, en la palma de una mano. A medida que los teléfonos móviles y las tecnologías digitales se propagan a pasos acelerados por todo el mundo, sus implicancias para el desarrollo económico, y particularmente para las finanzas, todavía tienen que materializarse del todo. Cuanto antes de produzcan los cambios, mejor para la gente en todo el mundo.

En las economías emergentes hoy, dos mil millones de personas -45% de todos los adultos- no tienen una cuenta formal en un banco, institución financiara o con un proveedor de dinero móvil. La tasa de "no bancarizados" es aún más alta para las mujeres, los pobres y la gente que vive en zonas rurales. Es más, por lo menos 200 millones de pequeñas y medianas empresas carecen de crédito suficiente, o directamente no tienen acceso al crédito.

La iniciativa empresarial, la inversión y el crecimiento económico sufren cuando los ahorros se guardan fuera del sistema financiero y el crédito es escaso y costoso. Afortunadamente, según un informe reciente del McKinsey Global Institute (MGI), las tecnologías digitales -empezando por los teléfonos móviles- pueden rápidamente reparar este problema y fomentar un crecimiento más veloz y más inclusivo.

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