E -money as a key tool to promote financial inclusion
Descripción del Articulo
Financial inclusion in Peru faces considerable difficulties due to low levels of access to financial services such as loans and savings accounts. To address this challenge, electronic money emerges as a tool that could potentially reach populations underserved by traditional banking. Therefore, the...
| Autor: | |
|---|---|
| Formato: | artículo |
| Fecha de Publicación: | 2023 |
| Institución: | Escuela de Posgrado Newman |
| Repositorio: | Revistas - Escuela de Posgrado Newman |
| Lenguaje: | español |
| OAI Identifier: | oai:ojs.pkp.sfu.ca:article/306 |
| Enlace del recurso: | https://journals.epnewman.edu.pe/index.php/IBJ/article/view/306 |
| Nivel de acceso: | acceso abierto |
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E -money as a key tool to promote financial inclusionEl dinero electrónico como herramienta clave para promover la inclusión financieraRamos Zaga , Fernando AntonioFinancial inclusion in Peru faces considerable difficulties due to low levels of access to financial services such as loans and savings accounts. To address this challenge, electronic money emerges as a tool that could potentially reach populations underserved by traditional banking. Therefore, the widespread use of mobile telephony in Peru is essential to promote financial inclusion in economically vulnerable populations. In this sense, the objective of this article is to analyze the legal framework of electronic money, as well as the barriers to access in the supply and demand of financial services. It concludes that e-money can bring essential financial services to previously underserved populations, taking advantage of the existing mobile infrastructure.La inclusión financiera en Perú se enfrenta a dificultades considerables, debido a los bajos niveles de acceso a servicios financieros como préstamos y cuentas de ahorro. Para hacer frente a este desafío, el dinero electrónico surge como una herramienta que, potencialmente, podría llegar a las poblaciones desatendidas por la banca tradicional. Por ende, el uso generalizado de la telefonía móvil en Perú es fundamental para promover la inclusión financiera en poblaciones que se encuentran en situación de vulnerabilidad económica. En ese sentido, el presente artículo tiene por objetivo analizar el marco legal del dinero electrónico, así como las barreras de acceso en la oferta y demanda de servicios financieros. Se concluye que el dinero electrónico puede llevar servicios financieros esenciales a poblaciones antes desatendidas, aprovechando la infraestructura móvil existente.Escuela de Posgrado Newman S.A.C.2023-07-31info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPeer reviewed articleArtículo evaluado por paresapplication/pdftext/htmlhttps://journals.epnewman.edu.pe/index.php/IBJ/article/view/306Iberoamerican Business Journal; Vol. 7 No. 1 (2023): February - July; 24-46Iberoamerican Business Journal; Vol. 7 Núm. 1 (2023): Febrero - Julio; 24-462521-581710.22451/5817.ibj2023.vol7.1reponame:Revistas - Escuela de Posgrado Newmaninstname:Escuela de Posgrado Newmaninstacron:NEWMANspahttps://journals.epnewman.edu.pe/index.php/IBJ/article/view/306/589https://journals.epnewman.edu.pe/index.php/IBJ/article/view/306/588Derechos de autor 2023 Fernando Antonio Ramos Zaga https://creativecommons.org/licenses/by-nc-sa/4.0info:eu-repo/semantics/openAccessoai:ojs.pkp.sfu.ca:article/3062024-09-17T11:47:53Z |
| dc.title.none.fl_str_mv |
E -money as a key tool to promote financial inclusion El dinero electrónico como herramienta clave para promover la inclusión financiera |
| title |
E -money as a key tool to promote financial inclusion |
| spellingShingle |
E -money as a key tool to promote financial inclusion Ramos Zaga , Fernando Antonio |
| title_short |
E -money as a key tool to promote financial inclusion |
| title_full |
E -money as a key tool to promote financial inclusion |
| title_fullStr |
E -money as a key tool to promote financial inclusion |
| title_full_unstemmed |
E -money as a key tool to promote financial inclusion |
| title_sort |
E -money as a key tool to promote financial inclusion |
| dc.creator.none.fl_str_mv |
Ramos Zaga , Fernando Antonio |
| author |
Ramos Zaga , Fernando Antonio |
| author_facet |
Ramos Zaga , Fernando Antonio |
| author_role |
author |
| description |
Financial inclusion in Peru faces considerable difficulties due to low levels of access to financial services such as loans and savings accounts. To address this challenge, electronic money emerges as a tool that could potentially reach populations underserved by traditional banking. Therefore, the widespread use of mobile telephony in Peru is essential to promote financial inclusion in economically vulnerable populations. In this sense, the objective of this article is to analyze the legal framework of electronic money, as well as the barriers to access in the supply and demand of financial services. It concludes that e-money can bring essential financial services to previously underserved populations, taking advantage of the existing mobile infrastructure. |
| publishDate |
2023 |
| dc.date.none.fl_str_mv |
2023-07-31 |
| dc.type.none.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer reviewed article Artículo evaluado por pares |
| format |
article |
| status_str |
publishedVersion |
| dc.identifier.none.fl_str_mv |
https://journals.epnewman.edu.pe/index.php/IBJ/article/view/306 |
| url |
https://journals.epnewman.edu.pe/index.php/IBJ/article/view/306 |
| dc.language.none.fl_str_mv |
spa |
| language |
spa |
| dc.relation.none.fl_str_mv |
https://journals.epnewman.edu.pe/index.php/IBJ/article/view/306/589 https://journals.epnewman.edu.pe/index.php/IBJ/article/view/306/588 |
| dc.rights.none.fl_str_mv |
Derechos de autor 2023 Fernando Antonio Ramos Zaga https://creativecommons.org/licenses/by-nc-sa/4.0 info:eu-repo/semantics/openAccess |
| rights_invalid_str_mv |
Derechos de autor 2023 Fernando Antonio Ramos Zaga https://creativecommons.org/licenses/by-nc-sa/4.0 |
| eu_rights_str_mv |
openAccess |
| dc.format.none.fl_str_mv |
application/pdf text/html |
| dc.publisher.none.fl_str_mv |
Escuela de Posgrado Newman S.A.C. |
| publisher.none.fl_str_mv |
Escuela de Posgrado Newman S.A.C. |
| dc.source.none.fl_str_mv |
Iberoamerican Business Journal; Vol. 7 No. 1 (2023): February - July; 24-46 Iberoamerican Business Journal; Vol. 7 Núm. 1 (2023): Febrero - Julio; 24-46 2521-5817 10.22451/5817.ibj2023.vol7.1 reponame:Revistas - Escuela de Posgrado Newman instname:Escuela de Posgrado Newman instacron:NEWMAN |
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Escuela de Posgrado Newman |
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NEWMAN |
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NEWMAN |
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Revistas - Escuela de Posgrado Newman |
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Revistas - Escuela de Posgrado Newman |
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1846971152523591680 |
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12.798618 |
Nota importante:
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
