ANALISIS DEL IMPACTO DE LAS FINTECH EN LA INCLUSION FINANCIERA EN LAS REGIONES RURALES DE COLOMBIA

Abstract

The analysis of the impact of fintech on inclusive financing in rural areas of Colombia seeks to understand how digital platforms can facilitate access to basic financial products in areas that have long been overlooked by the banking system. There is a distinct lack of banking infrastructure coupled with low levels of financial literacy in rural areas. More than 60% of the population in rural areas lacks access to credit and insurance services (Banco de la República, 2020). In this regard, fintech has provided these services in rural areas through mobile and online platforms, eliminating the need for physical branches (Chaparro & Alianza, 2021). However, there are still significant challenges such as low levels of internet coverage, low trust in services, and a lack of financial literacy that limit their effectiveness (Bayona & Baron, 2022). This research focuses on analyzing the role of fintech companies in promoting financial inclusion in rural areas and comparing their effectiveness with that of traditional banks, as well as analyzing the social and technological gaps that impact their adoption. The findings are expected to help guide public policy formulation and the peripheral expansion of the service in areas of concentration, thereby raising the quality of life of rural inhabitants and advancing toward more equitable socioeconomic development. In addition, the findings may help improve technological infrastructure, thereby building confidence in the use of financial services in these areas (Serrato, 2021).