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Financial technologies for the inclusion of informal workers: Solutions, barriers, and opportunities in the FinTech ecosystem


 
Dublin Core PKP Metadata Items Metadata for this Document
 
1. Title Title of document Financial technologies for the inclusion of informal workers: Solutions, barriers, and opportunities in the FinTech ecosystem
 
2. Creator Author's name, affiliation, country Ada Gallegos; Instituto de Investigación de Estudios de la Mujer, Universidad Ricardo Palma, Perú, 15039; Peru
 
2. Creator Author's name, affiliation, country Luisa Adriana Rodríguez Zavala; Instituto de Investigación de Estudios de la Mujer, Universidad Ricardo Palma, Perú, 15039; Peru
 
2. Creator Author's name, affiliation, country Alejandro Valencia-Arias; Vicerrectoría de Investigación y postgrado, Universidad de Los Lagos, Chile, 5290000 Facultad de Ciencias Económicas y Administrativas, Instituto Tecnológico Metropolitano, Colombia, 50010; Chile
 
2. Creator Author's name, affiliation, country Jackeline Valencia; Instituto de Investigación de Estudios de la Mujer, Universidad Ricardo Palma, Perú, 15039; Peru
 
3. Subject Discipline(s)
 
3. Subject Keyword(s) Financial tecnologies, financial inclusion, informal workers, FinTech, regulatory barriers.
 
3. Subject Subject classification O17, G23, O33
 
4. Description Abstract

Purpose: In recent decades, financial technologies (FinTech) have emerged as pivotal instruments for the transformation of global financial systems, particularly in contexts characterised by high levels of labour informality. This study analyses the capacity of FinTech to promote the inclusion of informal workers, who have been traditionally excluded from formal financial services.

Design/methodology/approach: The study evaluates the effectiveness of FinTech solutions, such as digital payments and microcredit, in contexts with poor infrastructure and regulatory barriers. It also considers challenges like financial and digital literacy among informal workers.

Findings: Despite the advances witnessed in the provision of digital tools, many informal workers encounter obstacles due to a lack of financial and digital literacy, which hinders their full and sustainable integration into the financial system. The results indicate the necessity for public policies adapted to local realities and a more comprehensive approach to FinTech design that addresses the specificities of informal work.

Originality/value: The study paves the way for future research that integrates technological innovations with structural and contextualised financial inclusion, offering insights into how FinTech can better serve informal workers while overcoming existing barriers.
 
5. Publisher Organizing agency, location OmniaScience (Omnia Publisher SL)
 
6. Contributor Sponsor(s)
 
7. Date (YYYY-MM-DD) 2026-02-09
 
8. Type Status & genre Peer-reviewed Article
 
8. Type Type
 
9. Format File format PDF
 
10. Identifier Uniform Resource Identifier https://www.intangiblecapital.org/index.php/ic/article/view/3355
 
10. Identifier Digital Object Identifier (DOI) https://doi.org/10.3926/ic.3355
 
11. Source Title; vol., no. (year) Intangible Capital; Vol 22, No 1 (2026)
 
12. Language English=en en
 
14. Coverage Geo-spatial location, chronological period, research sample (gender, age, etc.)
 
15. Rights Copyright and permissions Copyright (c) 2026 Ada Gallegos, Luisa Adriana Rodríguez Zavala, Alejandro Valencia-Arias, Jackeline Valencia
https://creativecommons.org/licenses/by-nc/4.0