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220928 ||| eng |
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|a 9781513585420
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| 100 |
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|a Bersch, Julia
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| 245 |
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|a Fintech Potential for Remittance Transfers: A Central America Perspective
|c Julia Bersch, Jean François Clevy, Naseem Muhammad, Esther Perez Ruiz, Yorbol Yakhshilikov
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| 260 |
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|a Washington, D.C.
|b International Monetary Fund
|c 2021
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| 300 |
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|a 52 pages
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| 651 |
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4 |
|a Guatemala
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| 653 |
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|a Payment Systems
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| 653 |
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|a Economics
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| 653 |
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|a Finance
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| 653 |
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|a Industries: Financial Services
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| 653 |
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|a Regimes
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| 653 |
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|a Mobile banking
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| 653 |
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|a Economywide Country Studies: Latin America
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| 653 |
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|a Fintech
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| 653 |
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|a Exports and Imports
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| 653 |
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|a Technological innovations
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| 653 |
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|a Economics of specific sectors
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| 653 |
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|a Standards
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| 653 |
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|a Currency crises
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| 653 |
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|a Financial markets
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| 653 |
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|a Macroeconomics
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| 653 |
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|a International finance
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| 653 |
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|a Economic & financial crises & disasters
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| 653 |
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|a Government and the Monetary System
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| 653 |
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|a Institutional Investors
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| 653 |
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|a Pension Funds
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| 653 |
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|a Technology
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| 653 |
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|a Financial Instruments
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| 653 |
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|a Economics: General
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| 653 |
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|a Balance of payments
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| 653 |
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|a Caribbean
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| 653 |
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|a Informal sector
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| 653 |
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|a Financial Institutions and Services: Government Policy and Regulation
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| 653 |
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|a Financial inclusion
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| 653 |
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|a International economics
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| 653 |
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|a Non-bank Financial Institutions
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| 653 |
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|a Size Distribution of Firms
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| 653 |
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|a Computer applications in industry & technology
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| 653 |
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|a Financial Markets and the Macroeconomy
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| 653 |
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|a Monetary Systems
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| 653 |
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|a Financial services industry
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| 653 |
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|a Banks and banking, Mobile
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| 653 |
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|a Remittances
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| 653 |
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|a Finance: General
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| 653 |
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|a Production, Pricing, and Market Structure
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| 700 |
1 |
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|a François Clevy, Jean
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| 700 |
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|a Muhammad, Naseem
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| 700 |
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|a Perez Ruiz, Esther
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| 041 |
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|a eng
|2 ISO 639-2
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| 989 |
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|b IMF
|a International Monetary Fund
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| 490 |
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|a IMF Working Papers
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| 028 |
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|a 10.5089/9781513585420.001
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| 856 |
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|u https://elibrary.imf.org/view/journals/001/2021/175/001.2021.issue-175-en.xml?cid=461266-com-dsp-marc
|x Verlag
|3 Volltext
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|a 330
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| 520 |
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|a This paper analyzes the potential for fintech to facilitate cheaper and more efficient remittances, and to enhance financial inclusion in Central America. Digital remittances remain nascent in the region, primarily reflecting behavioral inertia, small cost advantages of digital over traditional channels, and inadequate financial literacy. Through expanded alliances between traditional and fintech operators, digital remittances can further reduce transaction costs and reach those remote, low-income households in a timely and secure manner. A meaningful expansion of fintech remittances necessitates an enabling regulatory environment for digital financial services, and KYC and AML/CFT requirements proportionate to the value of transfers
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