‘Fintechs’ colombianas piden cambiar las reglas del sistema para que aumente la inclusión financiera

TL;DR

Colombia reports nearly 96% population with financial products, but 79% of daily payments are in cash, and informal credit is widespread.
A new book, 'Colombia Fintech 2026–2030', highlights that the main problem is the financial system's design, not access.
Current regulations, including rigid interest rate ceilings and tax burdens on digital payments, exacerbate exclusion.
Colombia Fintech proposes three fronts for reconfiguration: Competition, Inclusion, and Innovation.
The book calls for true data and resource portability to enable competition and criticizes the current regulatory framework for creating barriers.
Financial inclusion should shift from 'having' an account to 'doing' with it, using transaction history for credit access.
Innovation is hindered by confining technology to sandboxes, with models like open finance and cryptoassets operating in gray areas.
Modernizing the financial system is presented as essential to reduce informality, inequality, and poverty.

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