the mif blog

La Economía Colaborativa (EC) constituye un fenómeno innovador de alcance global y transversal que está generando importantes cambios estructurales en el funcionamiento de los mercados. Se trata de una nueva modalidad de producción e intercambio de bienes y servicios basada en la interacción entre pares a través de plataformas digitales que intermedian la relación entre los proveedores y los usuarios.

Businesses have been using online customer service for a while.  It is a popular channel because is fast and easy to use―it requires minimal effort from the customer, which increases the likelihood of completing the task that they are up to complete. 

Eduardo Herrera es un joven que vive en la ciudad de México. Dejó la escuela sin terminar la secundaria y estuvo trabajando en el sector informal de la economía. Llegó a tener hasta tres empleos informales y como él mismo explica “no logré nada, simplemente recibía la paga”. Y así es para la mayoría de los jóvenes entre 15-29 años de América Latina y el Caribe.

Alejandra is a Mexican young woman whom dropped out of secondary school when she was 16 years old due to her pregnancy. After a long period out from school and the labor market, she would like to work but she perceives that her situation neither allows her to enroll in a job training nor look for a job. Daniel decided to drop out when he was studying his last year of secondary school. He thought that school didn’t contribute anything to his life and he decided, in his own words, “to the monotony of doing nothing for living” because there was not hope in Uraba, his home region in Colombia.    

I wrote some days ago about one of the selected FinTechs that will integrate to Finconecta―a 10-month pilot program in partnership with a&b, that FOMIN/IDB is partially financing. I wrote about the US$21.84 billion losses (in 2015) due to credit and debit card fraud worldwide. But this figure is just the tip of the iceberg.