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La inclusión financiera en América Latina y Europa
Financial Inclusion in Latin America and Europe
DOI:
https://doi.org/10.15446/ede.v29n55.79425Palabras clave:
inclusión financiera, clúster jerárquicos, América Latina, Europa. (es)financial inclusion, hierarchical clustering, Latin America, Europe. (en)
La inclusión financiera definida como el nivel de acceso y uso de servicios financieros constituye un tema incipiente en la literatura y de gran importancia para el desarrollo de sistemas económicos estables e inclusivos. El presente estudio propone analizar la forma en que se agrupan un conjunto de países de América Latina y Europa en cuanto a sus niveles de inclusión financiera y la trayectoria de estos grupos en los años 2011, 2014 y 2017, utilizando los datos de la base Global Findex. El método de análisis es de clúster jerárquicos. Se observa la persistencia de dos grandes conglomerados de países, de alta y baja inclusión financiera, y algunos grupos más dinámicos, con niveles intermedios de acceso y uso de servicios financieros. Mientras que el grupo de alta inclusión financiera, integrado por la mayoría de los países de Europa, se ha mostrado más homogéneo a través de los años, la agrupación de los países de América Latina ha sido más dinámica. Aquellos países que han implementado políticas públicas integradas, en cuanto a la promoción y financiación de la inclusión financiera, se han destacado por una mejor trayectoria en estos años.
Financial inclusion is defined as the level of access and use of financial services and is an incipient subject in literature. It is of major importance in the development of sustainable and inclusive economic systems. The present study aims to analyze the way in which a group of Latin American and European countries are clustered together in terms of their levels of financial inclusion and the performance of these groups between 2011, 2014 and 2017, using data from the Global Findex database. The analysis method is hierarchical clustering. It is observed that there are two large groups of countries, one of high and another of low financial inclusion, and some other more dynamic groups with intermediate levels of access and use of financial services. While the group with high financial inclusion, formed by most of the European countries, has been more homogeneous over the years, the clustering of Latin American countries has been more dynamic. Those countries that have implemented integrated public policies, in terms of the promotion and funding of financial inclusion, have had a remarkably better performance in these years.
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