Abstract
Latin America’s post-2008 surge in digital financial services (DFS) providers has transformed retail finance while reinforcing market concentration and deepening gender and ethnic exclusion. This article argues that observed disparities in DFS growth across country groups—from Brazil’s frontier systems to lagging smaller economies—are not incidental but structural. Only bolstering state intervention and integrating efficiency, equity, security, and freedom as the guiding principles of regional coordination can alleviate these inequalities.
| Original language | English |
|---|---|
| Specialist publication | Georgetown Journal of International Affairs |
| Publication status | Published - 29 Jul 2026 |
UN SDGs
This output contributes to the following UN Sustainable Development Goals (SDGs)
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SDG 1 No Poverty -
SDG 8 Decent Work and Economic Growth -
SDG 10 Reduced Inequalities
Keywords
- Digital financial services
- Financial inclusion
- Fintech
- Latin America
- Open banking
Equality, Diversity and Inclusion keywords
- Reduced Inequalities
- Economic Inclusion
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