La Importancia de las Fintech en la Inclusión Financiera en Colombia

Abstract

This project focuses on analyzing the impact of Fintech as key tools to address the financial inclusion gap in Colombia. Despite sustained economic growth, more than 50% of the Colombian adult population lacks access to traditional financial services. The research will be based on a dual methodology that combines an exhaustive documentary review and the implementation of a national survey. The documentary review will thoroughly explore academic sources, government reports and data from financial institutions, focusing on trends, regulations and previous studies related to the adoption of financial technologies in Colombia. This review will provide a solid context to understand the evolution of Fintech in the country and its impact on financial inclusion. Simultaneously, a structured survey will be carried out aimed at virtual wallet users in Colombia. This survey will collect quantitative and qualitative data on users' experience, their perceptions of the usefulness of virtual wallets, and the perceived impact on their financial inclusion. The combination of these approaches will provide a complete and up-to-date understanding of the effectiveness of Fintech, specifically virtual wallets, as catalysts for financial inclusion in the Colombian context. This study reveals the vital importance of virtual wallets in Colombian financial inclusion. Rapid adoption, evidenced by 300% growth in the last five years, and the participation of 40% of previously excluded users underline its significant contribution. The combination of research methods offers a comprehensive perspective, highlighting the continued need for these technological solutions to address economic and geographic challenges, positioning Colombia for a significant financial transformation.