Inclusão financeira digital na América Latina: uma aplicação de modelos de classificação
DOI:
https://doi.org/10.18041/1900-3803/entramado.1.12332Palavras-chave:
Inclusão financeira, América Latina, Árvores de classificaçãoResumo
A inclusão financeira digital é crucial para o desenvolvimento econômico e social na América Latina, onde o acesso a serviços financeiros básicos é limitado e a informalidade na economia tem relutado em diminuir. Este documento usa uma nova metodologia para classificar os indivíduos de acordo com o fato de terem ou não uma conta móvel (também conhecida como e-wallets) com base em suas características socioeconômicas, a posse de outros instrumentos e o país de origem entre quatro nações latino-americanas (Argentina, Brasil, Colômbia e Peru) em 2021. As contas móveis promovem o crescimento inclusivo e reduzem os custos de transação e as restrições geográficas e foram impulsionadas na era pós-pandemia. O objetivo é identificar os atributos mais relevantes da titularidade de contas móveis, a fim de melhorar a inclusão financeira digital. Para a classificação, os resultados destacam a idade e a renda como relevantes, mas também a posse de um cartão de débito, o acesso à Internet em casa e o fato de ter economizado no último ano como fatores significativos, deixando para trás o país de origem (o que significa que são muito parecidos) ou atributos normalmente relevantes para as finanças tradicionais, como educação ou gênero.
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