Advance Search

Revisión bibliográfica sobre inclusión financiera como estrategia de recuperación y de crecimiento fintech

Daniel Cardona | Biografía
Instituto Tecnológico Metropolitano
Palabras clave:
Copyright and Licensing:

Derechos de autor 2021 Semestre Económico

Creative Commons License
Esta obra está bajo licencia internacional Creative Commons Reconocimiento-NoComercial 4.0.

Resumen

El presente artículo pretende dar un acercamiento a la inclusión financiera digital desde la visión post- COVID-19 como posible herramienta de desarrollo y resiliencia. Mediante un seguimiento bibliográfico de análisis institucionales, investigaciones académicas e informes de entidades relevantes, se hace una mapeamiento de los aportes y recomendaciones sobre la temática en materia de recuperación económica. En los resultados se confirma la trascendencia de la inclusión financiera digital como elemento aportante a la reconstrucción y fortalecimiento del flujo económico y del tejido financiero, y se proponen acciones para su correcta adopción.

PDF
PDF

Referencias

  1. Akhtaruzzaman, M., Boubaker, S. y Sensoy, A. (2020). Financial contagion during COVID–19 crisis. Finance Research Letters, 34, 1-20. https://doi.org/10.1016/j.frl.2020.101604
  2. Al-Awadhi, A. M., Alsaifi, K., Al-Awadhi, A. y Alhammadi, S. (2020). Death and contagious infectious diseases: Impact of the COVID-19 virus on stock market returns. Journal of Behavioral and Experimental Finance, 27, 1-5. https://doi.org/10.1016/j.jbef.2020.100326
  3. Arner, D. W., Buckley, R. P., Zetzsche, D. A. y Veidt, R. (2020). Sustainability, FinTech and Financial Inclusion. European Business Organization Law Review, 21 (1), 1-5. https://doi.org/10.1007/s40804-020-00183-y
  4. Ashraf, B. N. (2020). Stock markets’ reaction to COVID-19: Cases or fatalities? Research in International Business and Finance, 54 (101249), 1-7. https://doi.org/10.1016/j.ribaf.2020.101249
  5. Behravesh, N. y Rocha, E. W. (2020). Interim Global Economic Forecast. IHS Markit. http://www.oecd.org/economic-outlook/
  6. Brown, R., Rocha, A. y Cowling, M. (2020). Financing entrepreneurship in times of crisis: Exploring the impact of COVID-19 on the market for entrepreneurial finance in the United Kingdom. International Small Business Journal: Researching Entrepreneurship, 38 (5), 380-390. https://doi.org/10.1177/0266242620937464
  7. Bull, T., Chen, S. y Chiselita, D. (2019). Global FinTech Adoption Index 2019. Ernst & Young. https://www.ey.com/en_gl/ey-global-fintech-adoption-index
  8. Cavallo, E., Galiani, S., Noy, I. y Pantano, J. (2013). Catastrophic natural disasters and economic growth. Review of Economics and Statistics, 95 (5),1549-1561. https://doi.org/10.1162/REST_a_00413
  9. Cavoli, T., Gopalan, S. y Rajan, R. S. (2020). Does Financial Inclusion Amplify Output Volatility in Emerging and Developing Economies? Open Economies Review, 31 (4), 901-930. https://doi.org/10.1007/s11079-019-09568-0
  10. Chattopadhyay, S. K. (2011). Financial Inclusion in India: A Case Study of West Bengal. Reserve Bank of India Working Paper, 2 (8), 1-42. https://doi.org/10.1007/s11079-019-09568-0
  11. Demir, A., Pesqué-Cela, V., Altunbas, Y. y Murinde, V. (2020). Fintech, financial inclusion and income inequality: a quantile regression approach. European Journal of Finance, 26 (4) 297-301. https://doi.org/10.1080/1351847X.2020.1772335
  12. Díaz, H., Sosa, M., y Ortiz, E. (2018). Inclusión Financiera y ahorro en México: un análisis logístico binario y de redes neuronales artificiales. Estocástica: Finanzas y Riesgo, 8 (1), 53-84. https://doi.org/2007-5375
  13. Dorfleitner, G., Hornuf, L., Schmitt, M. y Weber, M. (2017). The FinTech market in Germany. FinTech in Germany. Springer. https://doi.org/10.1007/978-3-319-54666-7
  14. Fisch, J. E., Lusardi, A. y Hasler, A. (2019). Defined Contribution Plans and the Challenge of Financial Illiteracy. SSRN Electronic Journal, 103 (3), 19-22 https://doi.org/10.2139/ssrn.3384778
  15. G20 (2011). G20 Principles for Innovative Financial Inclusion. Alliance for Financial Inclusion. https://sustainabledevelopment.un.org/index.phppage=view&type=400&nr=2658&menu=35#:~:text=The%20G20%20Principles%20for%20Innovative%20Financial%20Inclusion%20consist%20of%20nine,G20’s%20Financial%20Inclusion%20Action%20Plan .
  16. Gabor, D. y Brooks, S. (2017). The digital revolution in financial inclusion: international development in the fintech era. New Political Economy, 22 (4), 423-436. https://doi.org/10.1080/13 563467.2017.1259298
  17. Goodell, J. W. (2020). COVID-19 and finance: Agendas for future research. Finance Research Letters, 35, 1-5. https://doi.org/10.1016/j.frl.2020.101512
  18. GPFI (2011). G20 Financial Inclusion Action Plan. Global Partnership for Financial Inclusion. https://doi.org/10.1007/s11079-019-09568-0
  19. Hall, M. C. (2011). Publish and perish? Bibliometric analysis, journal ranking and the assessment of research quality in tourism. Tourism Management, 32 (1), 16-27. https://doi.org/10.1016/j.tourman.2010.07.001
  20. Hannig, A. y Jansen, S. (2011). Financial inclusion and financial stability: Current policy issues. Financial Market Regulation and Reforms in Emerging Markets, 1 (259), 1-34. https://doi.org/10.2139/ssrn.1729122
  21. Igual Molina, D. (2019). Las fintech y la reinvención de las finanzas. Oikonomics, 10, 22-44. https://doi.org/10.7238/o.n10.1811
  22. International Monetary Fund (2014). World Economic Outlook: Legacies, Clouds, Uncertainties, vol.3. https://www.imf.org/en/Publications/WEO/Issues/2016/12/31/Legacies-Clouds-Uncertainties
  23. Lagoarde-Segot, T. y Leoni, P. L. (2013). Pandemics of the poor and banking stability. Journal of Banking and Finance, 37 (11), 4574-4583. https://doi.org/10.1016/j.jbankfin.2013.04.004
  24. Li, J., Wu, Y. y Xiao, J. J. (2020). The impact of digital finance on household consumption: Evidence from China. Economic Modelling, 86, 317-326. https://doi.org/10.1016/j.econmod.2019.09.027
  25. Lusardi, A. y Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics and Finance, 14 (4), 332-368. https://doi.org/10.1017/S1474747215000232
  26. Lusardi, A., Hasler, A. y Yakoboski, P. J. (2020). Building up financial literacy and financial resilience. Mind and Society, 19 (1), 1-7. https://doi.org/10.1007/s11299-020-00246-0
  27. Nizam, R., Karim, Z. A., Rahman, A. A. y Sarmidi, T. (2020). Financial inclusiveness and economic growth: new evidence using a threshold regression analysis. Economic Research-Ekonomska Istrazivanja, 33 (1), 1465-1484. https://doi.org/10.1080/1331677X.2020.1748508
  28. Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18 (4), 329-340. https://doi.org/10.1016/j.bir.2017.12.003
  29. Ozili, P. K., y Arun, T. (2020). Spillover of COVID-19: Impact on the Global Economy. SSRN Electronic Journal, 1, 1-17. https://doi.org/10.2139/ssrn.3562570
  30. Panos, G. A. y Wilson, J. O. S. (2020). Financial literacy and responsible finance in the FinTech era: capabilities and challenges. European Journal of Finance, 26 (4), 297-301. https://doi.org/10.1080/1351847X.2020.1717569
  31. Philippon, T. y Philippon, T. (2019). The FinTech Opportunity. National Bureau of Economic Research. https://doi.org/10.3386/w22476
  32. Raccanello, K., Raccanello, K., y Herrera Guzmán, E. (2014). Educación e inclusión financiera. Revista Latinoamericana de Estudios Educativos, 44 (2), 119-141. https://www.redalyc.org/articulo.oaid=270/27031268005
  33. Rizwan, M. S., Ahmad, G. y Ashraf, D. (2020). Systemic risk: The impact of COVID-19. Finance Research Letters, 36, 101682. https://doi.org/10.1016/j.frl.2020.101682
  34. Romanova, I., y Kudinska, M. (2016). Banking and fintech: A challenge or opportunity? Contemporary Studies in Economic and Financial Analysis, 98, 21-35. https://doi.org/10.1108/S1569-375920160000098002
  35. Sahay, R., Allmen, U. E. von, Lahreche, A., Khera, P., Ogawa, S., Bazarbash, M., y Beaton, K. (2020). The Promise of Fintech: Financial Inclusion in the Post COVID-19 Era. IMF Departmental Papers / Policy Papers. 09. https://ideas.repec.org/p/imf/imfdep/20-09.html
  36. Skoufias, E. (2003). Economic crises and natural disasters: Coping strategies and policy implications. World Development, 31 (7), 1087-1102. https://doi.org/10.1016/S0305-750X(03)00069-X
  37. Stoeckli, E., Dremel, C. y Uebernickel, F. (2018). Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world. Electronic Markets. https://doi.org/10.1007/s12525-018-0304-7
  38. Tamura, S. y Sawada, Y. (2011). Consumption Insurance against Unforeseen Epidemics: The case of avian influenza in Vietnam. RIETI Discussion Paper Series 09-E-023 n° 09023. https://core.ac.uk/download/pdf/6957028.pdf
  39. The Economic Times (2020). Reserve Bank of India suggests a five-point action plan to promote financial education. India Times. https://economictimes.indiatimes.com/news/economy/policy/reserve-bank-of-india-suggests-a-five-point-action-plan-to-promote-financial-education/articleshow/77653820.cmsutm_source=contentofinterest&utm_medium=text&utm_campaign=cppst
  40. The World Bank (2018). UFA2020 Overview: Universal Financial Access by 2020. https://www.worldbank.org/en/topic/financialinclusion/brief/achieving-universal-financial-access-by-2020
  41. TIAA, G. (2020). The 2020 TIAA Institute-GFLEC Personal Finance Index. https://gflec.org/initiatives/personal-finance-index/
  42. United Nations (2014). Impact of access to financial services, including by highlighting remittances on development: Economic empowerment of women and youth. Trade and Development Commission Expert Meeting on the Impact of Access to Financial Services, Including by Highlighting Remittances on Development: Economic Empowerment of Women and Youth. https://unctad.org/system/files/official-document/ciem6d2_en.pdf
  43. United Nations (2020). UN launches COVID-19 plan that could ‘defeat the virus and build a better world’. Prevention and Control. https://doi.org/10.1016/j.precon.2005.06.007
  44. United Nations (2020). Shared responsibility, global solidarity: responding to the socio-economic impacts of COVID-19. https://unsdg.un.org/sites/default/files/2020-03/SG-Report-Socio-Economic--Impact-of-Covid19.pdf
  45. Valencia, D. C., Arevalo, J. B., y Rodríguez, D. (2017). Análisis bibliométrico sobre direccionamiento de los estudios en Riesgos Financieros. Revista Venezolana de Gerencia, 38 (59), 2-13. http://www.revistaespacios.com/a17v38n59/17385902.html
  46. Venkatesh, V., Thong, J. Y. L., Statistics, B., Xu, X. y Acceptance, T. (2016). Unified Theory of Acceptance and Use of Technology: A Synthesis and the Road Ahead. Journal of the Association for Information Systems, 17 (5), 328–376. https://doi.org/10.1080/1097198X.2010.10856507
  47. Villa, E., Cardona Valencia, D., Valencia-Arias, A., Hormechea, K., y García, J. (2020). Transformative Innovation Policy, SDGs, and the Colombian University. Springer. https://doi.org/10.1007/978-3-030-26157-3_14
  48. Wallin, J. A. (2005). Bibliometric methods: Pitfalls and possibilities. Basic and Clinical Pharmacology and Toxicology, 97 (5), 261-275 https://doi.org/10.1111/j.1742-7843.2005.pto_139.x
  49. Wójcik, D., y Loannou, S. (2020). COVID-19 and Finance: Market Developments So Far and Potential Impacts on the Financial Sector and Centres. Tijdschrift Voor Economische En Sociale Geografie, 111 (3), 387-400. https://doi.org/10.1111/tesg.12434
  50. World Bank (2020). 2020 Global Economic Prospects: June 2020. In The Financial Crisis and the Global South. https://doi.org/10.2307/j.ctt183pb3w.5
  51. Zhang, D., Hu, M., y Ji, Q. (2020). Financial markets under the global pandemic of COVID-19. Finance Research Letters, 36, 1-6. https://doi.org/10.1016/j.frl.2020.101528
Cómo citar
Cardona, D. (2020). Revisión bibliográfica sobre inclusión financiera como estrategia de recuperación y de crecimiento fintech. Semestre Económico, 23(55), 183-203. https://doi.org/10.22395/seec.v23n55a8

Descargas

La descarga de datos todavía no está disponible.
Crossref
Scopus
Google Scholar
Europe PMC

Send mail to Author

Send Cancel

Estamos indexados en