INCLUSIÓN FINANCIERA Y DESARROLLO SITUACIÓN ACTUAL, RETOS Y DESAFÍOS DE LA BANCA.

Abstract

Financial inclusion improves people’s well-being when they access and use the products and services of the formal financial system and has more positive results when historically excluded groups because of their condition of poverty, informality, geographical distance, gender, income or disability manage to insert themselves in it. In Ecuador, public policy in recent years in this area has been insufficient: only about 50% of the population is included and this means that at the international level, the country is in an intermediate position of financial inclusion; for this reason, it is essential to promote best practices as well as to make the greatest effort to promote it through public policy, and with agreements with the private sector and the popular and solidarity-based economy. The pillars that support inclusive financial systems are: access to their products and services, their use, education for their use and consumer protection. This paper analyzes the performance of three of these and offers theoretical and practical contributions for the generation of inclusive financial systems.