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Soluciones de Tecnologia Digital para un Ecosistema Financiero Interconectado
El proyecto busca contribuir a la transformación digital del sector financiero, a fin de mejorar la calidad de sus servicios; mejorar su eficiencia y alcance a clientes, y promover la inclusión financiera. El proyecto ayudará a construir y consolidar una red financiera interconectada. que integrará diferentes actores financieros (como instituciones financieras, compañías FinTech y otros) en una sola plataforma abierta (llamada 4wrd). La plataforma permitirá a los intermediarios financieros acceder a las soluciones de tecnología financiera ofrecidas por las empresas FinTech de todo el mundo, probar estas soluciones en un "entorno tecnológico" e implementar las que mejor se adapten a sus necesidades y las de sus clientes. El proyecto también ayudará a los intermediarios financieros participantes a mejorar su capacidad para desarrollar e implementar estrategias de transformación digital. El proyecto tendrá un componente de Cooperación técnica, así como un componente de inversión, que inyectará capital a la empresa "Above and Beyond" que es la propietaria de la plataforma 4fwrd.

Detalle del Proyecto



Número de Proyecto


Fecha de aprobación

Septiembre 26, 2018

Etapa del Proyecto


Tipo de Proyecto

Ayudas a la Inversión





Instrumento de préstamo

Instrumento del Fondo Multilateral de Inversiones

Código del instrumento de préstamo




Tipo de establecimiento


Categoría de Impacto Ambiental y Social

Probablemente cause un mínimo o ningún impacto ambiental negativo y social asociado

Costo Total

USD 1,650,000.00

Financiamiento de Contrapartida del País

USD 0.00


USD 950,000.00

Información Financiera
Número de Operación Tipo de préstamo Moneda de Referencia Fecha del informe Fecha de Firma del Contrato Fondo Instrumento Financiero
GRT/ME-16943-RG NSG USD - Dólar americano Multilateral Investment Fund II (MIF) - Financiamiento contingente para subvenciones
Número de Operación GRT/ME-16943-RG
  • Tipo de préstamo: NSG
  • Moneda de Referencia: USD - Dólar americano
  • Fecha del informe:
  • Fecha de Firma del Contrato:
  • Fondo: Multilateral Investment Fund II (MIF) -
  • Instrumento Financiero: Financiamiento contingente para subvenciones
Published 2024
Financial Development, Growth, and Inequality: The Role of Institutions in Latin America and the Caribbean
This publication explores the relationships between institutions, financial development, and income inequality. It assesses the extent of reforms that can promote financial development and argues that institutional improvements capable of increasing financial development can simultaneously mitigate income inequality. This work, focusing on the Latin American and Caribbean region, uses a broad set of measures of financial development, financial institutions, and capital markets. It employs a comprehensive set of inequality indicators and income definitions, as well an econometric model of the financial possibility frontier, to demonstrate that institutions contributing to financial development also help reduce income inequality.
Published 2024
The concept of Digital Transformation can be described as adopting business processes and practices to help the organization compete effectively in an increasingly digital world.  This definition of digital transformation has two important implications for managers: First, it means that digital transformation is fundamentally about how your business responds to digital trends that are occurring whether or not you initiated them, like them, or want them.  Second, it means that how an organization implements technology is only a small part of digital transformation. In cases where digital transformation does involve implementing new technologies, technology is only part of the story.  The digital transformation requires that institutions and all its workflows and org charts be transformed in order to build and sustain digital services. Thus, there is a clear need to provide capacity building to all stakeholders in various areas associated with the digital transformation.
Published 2022
Financial Inclusion and FinTech in Suriname
This paper examines the potential role FinTech can play to support Surinames financial inclusion efforts. Financial technologyor “FinTech”describes the integration of technology into financial services to improve their use and delivery to customers. More importantly, it has the potential to meet the needs of those population segments that are not the main target of traditional financial services models. FinTech applications include mobile banking, mobile money, point-of-sale, e-commerce, and digital currencies. These solutions have contributed to financial inclusion, strengthening financial development, economic growth, poverty reduction, and socioeconomic development. We find that Suriname is making progress in promoting the development and use of FinTech. Still, there is room for further improvement, especially in fostering an enabling environment to harness FinTech opportunities, strengthening broader financial sector policies, addressing potential risks, promoting international collaboration, and addressing critical country-specific challenges.
Published 2024
Taxation when Markets are not Competitive: Evidence from a Loan Tax
We study the interaction of market structure and tax-and-subsidy strategies utilizing pass-through estimates from the unexpected introduction of a loan tax in Ecuador, a quantitative model, and a comprehensive commercial-loan dataset. Our model generalizes bank competition theories, including Bertrand-Nash competition, credit rationing, and joint-maximization. While we find the loan tax is distortionary, neglecting the possibility of non-competitive lending inflates estimated tax deadweight loss by 80% because non-competitive banks internalize some of the burden. Conversely, subsidies are less effective in non-competitive settings. If competition were stronger, tax revenue would be 10% lower. The findings suggest that policymakers should consider market structure in tax-and-subsidy strategies.
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