Worldwide fintech development is imminent. Nevertheless, Peru still does not have regulation that encourages the entry of fintechs to the Peruvian market and invigorates the sector. The bill that regulates crowdfunding is yet pending approval form Congress. If approved, the biggest challenges will be faced by the Peruvian Superintendence of Securities Market (Superintendencia del Mercado de Valores-SMV). A bigger financial inclusion with positive impact in the economy still seems distant, but it is starting.

Worldwide fintech development is imminent. Nevertheless, Peru still does not have regulation that encourages the entry of fintechs to the Peruvian market and invigorates the sector. The bill that regulates crowdfunding is yet pending approval form Congress. If approved, the biggest challenges will be faced by the Peruvian Superintendence of Securities Market (Superintendencia del Mercado de Valores-SMV). A bigger financial inclusion with positive impact in the economy still seems distant, but it is starting.

Worldwide fintech development is imminent. Nevertheless, Peru still does not have regulation that encourages the entry of fintechs to the Peruvian market and invigorates the sector. The bill that regulates crowdfunding is yet pending approval form Congress. If approved, the biggest challenges will be faced by the Peruvian Superintendence of Securities Market (Superintendencia del Mercado de Valores-SMV). A bigger financial inclusion with positive impact in the economy still seems distant, but it is starting.

En el Common Law existe la figura del “Memorandum of Understanding” o “Letter of Intent”, que es un acuerdo que se realiza previamente a la celebración del contrato y que, en base a la intención de las partes, puede o no tener efectos vinculantes. En el Perú ¿existe una figura con efectos similares? De ser así, ¿se generaría algún tipo de responsabilidad ante su incumplimiento? En términos económicos ¿resulta eficiente celebrar estos acuerdos?.