Zusammenfassung
Etwa 1,7 Milliarden Menschen in den Entwicklungsländern haben keinen Zugang zu Finanzdienstleistungen. Zusätzlich gelten rund 200 Millionen Unternehmen in diesen Ländern als finanziell unterversorgt. Die Teilhabe aller Menschen an finanziellen Dienstleistungen ist jedoch ein allgemein anerkanntes gesellschaftliches Ziel. So sieht die World Bank finanzielle Inklusion als Wegbereiter, um von 7 der 17 Ziele für nachhaltige Entwicklung zu erreichen und als wichtige Voraussetzung für die Verringerung der extremen Armut und die Steigerung des gemeinsamen Wohlstands. Mit Hilfe eines gut funktionierenden Finanzsystems und einer guten finanziellen Infrastruktur soll es möglich sein, die Ziele zu erreichen. An diesen Punkt knüpft das Auftreten von FinTech an. Innovationen in Finanztechnologien haben zu einem Paradigmenwechsel bei den traditionellen Finanzdienstleistungen geführt und sind ein Mittel, um die Funktionsweise des Finanzsystems zu verbessern und somit finanzielle Inklusion voranzutreiben.
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Notes
- 1.
Für den vorliegenden Aufsatz werden beide Begriffe synonym verwendet.
- 2.
Zur vollständigen Herleitung des Modells sei auf Lehrbücher zur Makroökonomie wie z. B. Blanchard & Illing (2021) verwiesen.
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Treu, J. (2023). Finanzielle Inklusion und FinTech. In: Friele, B., et al. Soziale Arbeit und gesellschaftliche Transformation zwischen Exklusion und Inklusion. Springer VS, Wiesbaden. https://doi.org/10.1007/978-3-658-41471-9_9
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