economy
Included, for what?
Colombia can proudly say that it has advanced in financial inclusion. 86.3% of adults now have access to at least one financial product. The figure is impressive. But the uncomfortable question is inevitable: what does it mean to be included when that inclusion does not change people's lives?
TL;DR
- Colombia has achieved 86.3% financial inclusion among adults, but its real impact on people's lives is questioned.
- A significant gap exists between urban (89.3%) and rural (53.4%) financial inclusion.
- True inclusion should be measured by its impact on transforming life projects and strengthening local economies, not just by coverage.
- Financial education needs to shift from technical concepts to practical productivity, business, and profitability.
- Technology is an ally, but genuine inclusion requires presence, community knowledge, and constant support to drive social mobility.