Esta investigación muestra la factibilidad para la implementación de una Fintech de inclusión financiera denominada Sika Finance. Plataforma tecnológica que permite acceder a una evaluación para otorgar créditos 100% en línea a un público exclusivamente femenino, con el objetivo de crear y facilitar oportunidades de empoderamiento a las mujeres de nuestro país. Es preciso mencionar que la industria en el Perú se encuentra en proceso de crecimiento y aún no se encuentra regulada. El análisis del entorno de la industria indica que es un mercado atractivo y en crecimiento, prueba de ello es que durante el 2020 “el 18% de los USD46 millones colocados en Venture Capitals fueron destinados a la industria de las FinTechs, solo por debajo de EdTech (40%) y comercio electrónico (27%), ambos fundamentales en el contexto del COVID-19”. (Ministerio de Relaciones Exteriores, 2021) El estudio de mercado muestra que la FinTech se encuentra en gran proyección de desarrollo acelerado. Asimismo, de las encuestas realizadas se obtiene que el 71.54% de mujeres de nuestro público objetivo tiene una habilidad innata del lenguaje y del entorno digital, el avance tecnológico ha provocado que en todos los segmentos de la población adopten la tecnología y accedan al uso de aplicaciones y dispositivos TIC. Por tanto, la presente propuesta se alinea a sus necesidades. Por otro lado, se observa que la preferencia de créditos oscila en importes de S/ 500.00 a S/ 2,000.00 con plazos menor a 12 meses por lo que representa una oportunidad relevante de negocio. / This research shows the feasibility for the implementation of a Fintech Sika Finance for financial inclusion. A technological platform that allows access to an evaluation to grant credits 100% online to an exclusively female audience, intending to create and facilitate empowerment opportunities for women in our country. It is worth mentioning that the industry in Peru is in the process of growth and is not yet regulated. The analysis of the industry environment indicates that it is an attractive and growing market, proof of this is that during 2020 “18% of the USD46 million placed in Venture Capitals went to the FinTech industry, only below EdTech (40%) and electronic commerce (27%), both fundamental in the context of COVID-19 ” (Ministry of Foreign Affairs, 2021). The market study shows that FinTech is in great projection of accelerated development. Likewise, from the surveys carried out, it is obtained that 71.54% of women in our target audience have an innate capacity for language and the digital environment. Technological advances have caused all segments of the population to adopt technology and access the use of ICT applications and devices. Therefore, this proposal is aligned with your needs. On the other hand, it is observed that the preference for loans ranges between S / 500.00 and S / 2,000.00 with terms of less than 12 months, which represents a relevant business opportunity. / Tesis

Diese Arbeit untersucht den Einfluss verhaltensökonomischer Aspekte und Bildung für die finanzielle Entwicklung. Sie besteht aus vier Kapiteln, welche jeweils ein separates Forschungspapier darstellen. Die Kapitel decken folgende Themen ab: Determinanten einer impulsiven Kreditaufnahme, Hindernisse bei finanzieller Inklusion, die Auswirkungen von finanzieller Bildung und die finanziellen Folgen eines Schocks. Alle Kapitel nutzen Umfragedaten. Außerdem nutzen einige Kapitel experimentelle (Labor-)Ergebnisse. Nach einer Einleitung untersucht Kapitel zwei die Rolle von Selbstkontrolle und finanzieller Bildung bei einer impulsiven Kreditaufnahme und analysiert experimentelle Daten, die in einem Labor in Berlin erhoben wurden, sowie Umfragedaten aus der Innovations-Stichprobe des Sozio-oekonomischen Panels. Kapitel drei trägt zu einem besseren Verständnis der Determinanten und Hindernisse für die Nutzung von Mobile Money in einem einkommensschwachen Land bei, wobei es auch den Beitrag von Mobile Money zur finanziellen Inklusion betrachtet. Da Bildung die Wahrscheinlichkeit erhöht, dass neue Technologien genutzt werden, könnte finanzielle Bildung weitere Bemühungen zur finanziellen Inklusion und zum Verbraucherschutz für die finanzielle Entwicklung sinnvoll ergänzen. Daher ist es wichtig, die Auswirkungen von Programmen zu bewerten, die auf finanzielle Bildung abzielen. Dafür werden in Kapitel vier die Auswirkungen eines Finanzbildungsprogramms und seine Spillover-Effekte anhand einer randomisierten kontrollierten Studie analysiert. Kapitel fünf beleuchtet die Auswirkungen der COVID-19-Pandemie auf das finanzielle Wohlergehen und die Technologienutzung von Kleinstunternehmern. Die in Kapitel drei bis fünf verwenden Daten wurden in zwei groß angelegten Erhebungswellen im ländlichen Uganda erhoben. / This thesis focuses on the role of behavioral characteristics and education for financial development. It consists of four chapters, each being a separate research paper, covering related areas: determinants of impulsive borrowing, barriers to financial inclusion, the impact of financial education, and the financial consequences due to a shock. All chapters use survey evidence, and some include (lab) experimental findings. After the introduction, Chapter two investigates the role of self-control and financial literacy for impulsive borrowing, analyzing experimental data collected in a laboratory in Berlin and survey data provided by the German Socio-Economic Panel's Innovation Sample. Chapter three contributes to a better understanding of the determinants and barriers to mobile money adoption in a low-income country, and the contribution of mobile money services to financial inclusion. As education makes it more likely to adopt new technologies, financial education could complement other financial inclusion and consumer protection efforts for financial development. Thus, it is relevant to assess the consequences of programs targeting financial education. Therefore, chapter four analyzes the impact of a financial education program and its spillover effects via a randomized controlled trial. Chapter five sheds light on the consequences of the COVID-19 pandemic on the financial well-being and technology adoption of micro-entrepreneurs. Chapter three to five use data collected in two large-scale survey waves in rural Uganda.

A nivel global, el desarrollo de la inclusión financiera ha generado cambios significativos debido al avance tecnológico siendo el internet su principal aliado, logrando que los usuarios pasen de realizar filas en agencias a realizar sus transacciones desde una computadora o celular. Esta es una herramienta indispensable para el crecimiento financiero inclusivo, haciendo que los no bancarizados accedan a los servicios financieros, reduciendo así la pobreza. Como parte de su crecimiento exponencial, se desarrolló las llamadas fintechs, las cuales son reconocidas como el principal vehículo de las finanzas digitales. Al tener un mayor alcance en los usuarios y en la mayoría de los casos, los costos de sus productos y servicios son más bajos comparados con la banca tradicional. La presente investigación evidencia las diferentes perspectivas sobre cómo se asume la efectividad que logra la digitalidad en las finanzas y su aporte a una mayor inclusión en la población. Para ello, se ha revisado un conjunto de publicaciones especializadas que se han preocupado por analizar esta relación en diferentes mercados financieros. La principal conclusión a la que llega este artículo es que, a pesar del efecto positivo que tiene en la mejora financiera de las personas, existen limitaciones y problemas en su implementación. Si bien la digitalización contribuye a la inclusión financiera, el crecimiento económico personal y nacional; sin embargo, existen limitaciones y problemas que afectan su buen desarrollo. / Worlwide, the development of financial inclusion has generated significant changes due to technological progress, with the Internet as its main ally, allowing users to move from queuing at branches to making transactions from a computer or cell phone. This is an indispensable tool for inclusive financial growth, giving the unbanked access to financial services, thus reducing poverty. As part of its exponential growth, it developed the so-called fintechs, which are recognized as the main vehicle of digital finance. As they have a greater reach to users and in most cases, the costs of their products and services are lower compared to traditional banking. The present research evidences the different perspectives on how the effectiveness achieved by digitality in finance and its contribution to greater inclusion in the population is assumed. For this purpose, a set of specialized publications that have been concerned with analyzing this relationship in different financial markets have been reviewed. The main conclusion reached by this article is that, despite the positive effect it has on people's financial improvement, there are limitations and problems in its implementation. Although digitalization contributes to financial inclusion, personal and national economic growth; however, there are limitations and problems that affect its proper development. / Trabajo de Suficiencia Profesional

El nivel de educación de una población tiene un gran impacto en distintas variables como el crecimiento económico, el nivel de productividad y la inclusión financiera. El objetivo de la presente investigación se centra en evaluar el efecto de la educación en la inclusión financiera medida a través del acceso al crédito. Para ello, se utilizó la data de la Encuesta Nacional de Demanda de Servicios Financieros y Nivel de Cultura Financiera realizada en el año 2016 por la Superintendencia de Banca, Seguros y AFP en Perú. Luego de trabajar la data, se utilizó el modelo econométrico probit con la variable de ingreso como variable endógena corregida por el nivel de educación como variable instrumental con el fin de estimar la probabilidad de que una persona se enfrente a un racionamiento de crédito, es decir, que se le niegue el crédito. El modelo propuesto comprueba la hipótesis planteada de modo que el nivel de educación y el nivel de ingreso son variables significativas en el modelo y mantienen una relación inversa con la probabilidad de racionamiento. Por lo tanto, se concluye que, una persona con mayor nivel de educación tiene menor probabilidad de que se le niegue un crédito / The level of education of a nation has a great impact on different variables such as economic growth, the level of productivity and financial inclusion. This paper aims to assess the effect of the level of education on financial inclusion measured through credit access. For this purpose, based on data from the National Survey of Demand for Financial Services and Level of Financial Culture carried out in 2016 by the Superintendence of Banking, Insurance and AFP in Perú. Next, with a Probit econometric model with income level as an endogenous variable corrected by the level of education as instrumental variable, the likelihood that the person faces credit rationing is estimated, in other words, that credit is denied. The proposed model proves the hypothesis so that the level of education and the level of income are statistically significant variables in the model and both have an inverse relationship with the probability of rationing. Therefore, this paper concludes that a persona with a higher level of education is less likely to be credit denied. / Trabajo de investigación

Money can be understood as a disembedding mechanism, detaching social relations from a spatiotemporal context. However, different infrastructural instantiations of money make visible–and invisible–different qualities of money. Through a two-month ethnographic study of El Salvador’s adoption of Bitcoin as a complimentary legal tender, I show how Bitcoin in El Salvador functions as a technology of the imagination that brings future-making and deterritorialization into the forefront of money infrastructure(s).  The thesis is divided into three main parts. First, I briefly introduce how people leverage Bitcoin as a tool for shaping subjective attitudes towards time, and consequently–to inspire hope.  Then, I show how foreigners travelling to El Salvador to use Bitcoin are not doing this out of economic considerations. Rather, this transnational group of Bitcoiners can be characterised as a recursive public that utilises Bitcoin to escape the formation of the nation-state and form a deterritorialized community around shared speculative visions of the future. Bitcoin also allows them to make general infrastructural features of money visible and to contest these. The prime example being money’s disciplinary effects on subjective attitudes towards time. In the last part, I show how deterritorialization and speculative futures also come to the forefront of Salvadoran imaginaries of Bitcoin. We can understand attitudes of fear and attitudes of hope as responses to this imaginary. The thesis concludes by arguing that Bitcoin’s materiality affords imaginaries of disembedded social landscapes, thus rendering visible preexisting infrastructural features of money. However, in the specific context of El Salvador Bitcoin also works as a tool for re-embedding, but only for the Bitcoiners.

No description available.

In the first part, the background of electronic money is explained, then it provides a detailed account of how it has evolved in Africa, where there has been a huge success, given the advantages and applications it has, and how it has been working. Elsewhere, other models of electronic money that are emerging in the world, such as Google Wallet, Apple Pay, and experiences in Peru as Wanda and Your Mobile Money.In the third part, some aspects of the recent regulation of electronic money in Peru are required by Act No. 29985, which regulates the basic characteristics of electronic money. Finally, it details the recent proposal that ASBANC has been working on through the Model Peru, as well as technological and regulatory risks that still must be faced. / En una primera parte se explica los antecedentes del dinero electrónico, luego se pasa a exponer detalladamente de cómo éste se ha desarrollado en África, donde ha tenido un enorme éxito dadas las ventajas y aplicaciones que tiene, y la manera como viene funcionando. En otra parte se señalan otros modelos de dinero electrónico que vienen surgiendo en el mundo, tales como Google Wallet, Apple Pay, y experiencias en Perú como el de Wanda y Tu Dinero Móvil.En la tercera parte se precisan algunos aspectos de la reciente regulación del dinero electrónico en el Perú, mediante la Ley Nº 29985, que regula las características básicas del Dinero Electrónico. Finalmente se detalla la reciente propuesta que viene trabajando ASBANC, a través del Modelo Perú, así como los riesgos tecnológicos y regulatorios que aún se debe afrontar.

Submitted by Ricardo Paschoeto dos Santos (ricardopas@bol.com.br) on 2015-12-17T21:15:58Z No. of bitstreams: 1 Dissertacao_Agência-Barco-Aprovada.pdf: 4270624 bytes, checksum: cafe099ca1c9d7e52e77a38bea7575fc (MD5) / Approved for entry into archive by Janete de Oliveira Feitosa (janete.feitosa@fgv.br) on 2015-12-18T12:46:35Z (GMT) No. of bitstreams: 1 Dissertacao_Agência-Barco-Aprovada.pdf: 4270624 bytes, checksum: cafe099ca1c9d7e52e77a38bea7575fc (MD5) / Approved for entry into archive by Marcia Bacha (marcia.bacha@fgv.br) on 2015-12-21T18:46:47Z (GMT) No. of bitstreams: 1 Dissertacao_Agência-Barco-Aprovada.pdf: 4270624 bytes, checksum: cafe099ca1c9d7e52e77a38bea7575fc (MD5) / Made available in DSpace on 2015-12-21T18:47:05Z (GMT). No. of bitstreams: 1 Dissertacao_Agência-Barco-Aprovada.pdf: 4270624 bytes, checksum: cafe099ca1c9d7e52e77a38bea7575fc (MD5) Previous issue date: 2015-11-19 / The challenge in offering public services infrastructure in less developed areas in Brazil, often furthest from the large urban centers, mobilizes society sectors in search of new and creative approaches that can reduce large interregional disparities. One of the shortcomings faced by some brazilians is the lack of access to the financial system, compromising their capacity of full insertion in the economy and making it more difficult to create and accumulate wealth, prevailing situation in Ilha de Marajó, in the state of Pará, which most of its sixteen municipalities presents low or very low Human Development Index (HDI). In order to change this reality, a traveling bank branch installed on a boat was designed in an innovative way, for the purpose of meeting the needs of the riverside people that lives in vast territorial extension, low population density, transportation difficulties and limited supply of information and communication technology (ICT). Thereby, through an exploratory and descriptive approach, this research aims to identify, from the ICT perspective, how the financial inclusion indicators are influenced by the Agência Barco (bank branch on a boat) in Ilha de Marajó. In addition to the theoretical study, empirical research was carried out by means of direct observation and semistructured interviews applied to users and employees of the Agência Barco (bank branch on a boat), over four days in two cities of Ilha de Marajó. Interviews content analysis techniques were applied in order to data analysis and identify financial inclusion elements, transposing the results to a heuristic model of dynamic infoinclusion (2iD), which was adapted to comprise inclusion financial constructs. The research outcome shows that the Agência Barco (bank branch on a boat) can provides the necessary access to financial services and products for Ilha de Marajó inhabitants, at the same time identifies opportunities to expand aspects related to financial education, enabling strengthen the dynamic components of the financial inclusion process, increasing awareness and, then, increasing demand for financial services and products. / O desafio de ofertar infraestrutura de serviços públicos nas regiões menos desenvolvidas do Brasil, geralmente mais afastadas dos grandes centros urbanos, mobiliza setores da sociedade na busca de abordagens novas e criativas que possam diminuir as grandes disparidades inter-regionais. Uma das carências vivenciadas por parte da população brasileira é a falta de acesso ao sistema financeiro, comprometendo a capacidade de plena participação dessas pessoas na economia, dificultando a geração e acúmulo de riqueza, situação essa presente na Ilha de Marajó, no estado do Pará, cuja maioria de seus dezesseis municípios apresenta Índice de Desenvolvimento Humano (IDH) baixo ou muito baixo. Para mudar essa realidade, uma iniciativa inovadora é a agência bancária itinerante instalada em barco, para atendimento a populações ribeirinhas de regiões com vasta extensão territorial, baixa densidade demográfica, dificuldades de transporte e limitações na oferta de tecnologia da informação e comunicação (TIC). Assim, essa pesquisa, com propósito exploratório e descritivo, tem como objetivo principal identificar, sob o ponto de vista das TIC, como os indicadores de inclusão financeira são influenciados pela atuação da Agência Barco na Ilha de Marajó. Além do estudo teórico, foi realizada investigação empírica, por meio de observação direta e entrevistas semiestruturadas com clientes e funcionários da Agência Barco, realizadas ao longo de quatro dias, em duas cidades da Ilha de Marajó. Para análise dos dados, foram aplicadas técnicas de análise de conteúdo às entrevistas, com objetivo de identificar a presença de elementos de inclusão financeira, transpondo os resultados para um modelo heurístico de infoinclusão dinâmica (2iD), o qual foi adaptado para contemplar constructos de inclusão financeira. O resultado da pesquisa demonstra que a Agência Barco consegue suprir as necessidades de acesso a serviços e produtos financeiros pela população da Ilha de Marajó, ao mesmo tempo em que se identifica oportunidades para ampliação de aspectos relacionados à educação financeira, possibilitando fortalecer os componentes dinâmicos do processo de inclusão financeira, com aumento da conscientização e consequente aumento da demanda por serviços e produtos financeiros.

Submitted by Ligia Greatti (ligiagreatti@hotmail.com) on 2017-07-10T18:26:08Z No. of bitstreams: 1 Tese Ligia Greatti.pdf: 1360192 bytes, checksum: e2f9f77b4b1a40d8879352c579083dd6 (MD5) / Rejected by Maria Tereza Fernandes Conselmo (maria.conselmo@fgv.br), reason: Ligia, boa noite. Por favor retirar o acento da palavra Getúlio. Submeter novamente biblioteca digital. Att. SRA Tereza on 2017-07-10T21:29:21Z (GMT) / Submitted by Ligia Greatti (ligiagreatti@hotmail.com) on 2017-07-11T17:11:26Z No. of bitstreams: 1 Tese Ligia Greatti.pdf: 1360022 bytes, checksum: dd91ce02098ec9781c1738e665b171f1 (MD5) / Approved for entry into archive by Maria Tereza Fernandes Conselmo (maria.conselmo@fgv.br) on 2017-07-11T23:36:06Z (GMT) No. of bitstreams: 1 Tese Ligia Greatti.pdf: 1360022 bytes, checksum: dd91ce02098ec9781c1738e665b171f1 (MD5) / Made available in DSpace on 2017-07-12T12:34:05Z (GMT). No. of bitstreams: 1 Tese Ligia Greatti.pdf: 1360022 bytes, checksum: dd91ce02098ec9781c1738e665b171f1 (MD5) Previous issue date: 2017-06-12 / This study, in general terms, analyzes issues connected to relations between State and society in public policy implementation processes in Brazil, focusing on process that resulted in policy of financial inclusion. The objective that guides development of research refers to the role played by actors located in non-state sphere, particularly Credit Cooperatives, in processes of public policies implementation and, mainly, how these actors relate to actors positioned in state sphere, particularaly in public policy coordination. Looking for providing theoretical support for the research, a literature survey was carried out on public policies, implementation process and its actors, the policy of financial inclusion and on credit cooperativism. Then, the approach proposed by Subirats et al. (2012) in order to analyze relationship between credit cooperatives, as actors who implement financial inclusion policy and governmental actors coordinating this policy, in particular Brazilian Central Bank. Through this approach, the policy content was analyzed, actors with their values, ideas and interests, the resources they mobilize and institutional rules that surround them, and how these elements influence relations established between the actors. Therefore, it was used documentary research and semi-structured interview for data collection, which contents were analyzed with the help of Atlas TI Software. It was observed that the process of implementing financial inclusion policy is influenced by these elements, which motivate and condition relationships. Conclusions of the study point that cooperatives involved in process effectively succeed in influencing public policy implementation and that relations between them and Brazilian Central Bank occur in cooperation way, which is only due to the fact that exists consensus among them about public problem faced, of common values and interests in face of financial inclusion policy, mobilizing resources autonomously and, in certain situations, through negotiation, also with dialogues and discussions on institutional norms that involve them. Relationships between these actors in process of implementing financial inclusion policy went through a long period of reflections and debates, which have continued constantly until present day, thus strengthening existing cooperation between them. / Este estudo, em linhas gerais, analisa questões relativas às relações entre Estado e sociedade em processos de implementação de políticas públicas no Brasil, tomando como foco da análise o processo que resultou na política de inclusão financeira. O objetivo que orienta o desenvolvimento da pesquisa diz respeito ao papel desempenhado por atores posicionados na esfera não estatal, particularmente as Cooperativas de Crédito, em processos de implementação de políticas públicas e, principalmente, como estes atores se relacionam com atores posicionados na esfera estatal, especialmente na coordenação da política pública. Visando dar suporte teórico para a pesquisa, foi realizado um levantamento de literatura sobre políticas públicas, o processo de implementação e seus atores, a política de inclusão financeira e sobre o cooperativismo de crédito. Em seguida recorreu-se ao enfoque proposto por Subirats et al. (2012) para analisar como ocorrem as relações entre cooperativas de crédito, enquanto atores implementadores da política de inclusão financeira e os atores governamentais coordenadores dessa política, principalmente o Banco Central do Brasil. Através de tal abordagem, analisou-se o conteúdo da política, os atores com seus valores, ideias e interesses, os recursos que mobilizam e as regras institucionais que os envolvem e como esses elementos influenciam nas relações estabelecidas entre os atores. Para tanto, utilizou-se de pesquisa documental e entrevista semiestruturada para coleta de dados, cujos conteúdos foram analisados com o auxílio do software Atlas Ti. Observou-se que o processo de implementação da política de inclusão financeira é influenciado por esses elementos, que motivam e condicionam as relações. As conclusões do estudo apontam para o fato de que as cooperativas envolvidas no processo têm sucesso em influenciar de forma efetiva a implementação da política pública e que as relações mantidas entre elas e o Banco Central do Brasil ocorrem em forma de cooperação, que só acontece devido ao fato de existir um consenso entre eles sobre o problema público enfrentado, de terem valores e interesses comuns diante da política de inclusão financeira, de mobilizarem recursos de forma autônoma e, em determinadas situações, por meio de negociação, bem como por manter diálogos e debates constantes com relação às normas institucionais que os envolvem. As relações entre esses atores no processo de implementação da política de inclusão financeira passaram por um longo período de reflexões e debates, que se mantém de forma constante até os dias atuais, fortalecendo assim a cooperação existente entre eles.

Submitted by Ana Araujo (analu.aaraujo@gmail.com) on 2018-03-05T17:10:52Z No. of bitstreams: 1 Dissertação_AnaAraujo_FINAL_aprovada.pdf: 12772557 bytes, checksum: 852bd655a15763a874fe50bd04b15a67 (MD5) / Approved for entry into archive by Janete de Oliveira Feitosa (janete.feitosa@fgv.br) on 2018-03-09T14:52:26Z (GMT) No. of bitstreams: 1 Dissertação_AnaAraujo_FINAL_aprovada.pdf: 12772557 bytes, checksum: 852bd655a15763a874fe50bd04b15a67 (MD5) / Made available in DSpace on 2018-03-12T19:38:38Z (GMT). No. of bitstreams: 1 Dissertação_AnaAraujo_FINAL_aprovada.pdf: 12772557 bytes, checksum: 852bd655a15763a874fe50bd04b15a67 (MD5) Previous issue date: 2017-12-14 / Objetivo – Esse estudo busca investigar o papel da Agência Barco Chico Mendes na inclusão financeira mediada pela tecnologia nas comunidades ribeirinhas da Amazônia. Metodologia – Foi realizado um estudo de caso por meio de entrevistas semiestruturadas com os atores locais. Para orientar o mapeamento e análise dos resultados foi utilizado um modelo teórico de inclusão financeira mediada por TICs (modelo 2iDf), a partir da investigação dos componentes presentes em iniciativas dessa natureza. Os dados foram analisados utilizando-se análise léxica e análise de conteúdo. Resultados – Os resultados demonstraram que a Agência Barco exerce um papel positivo no acesso a produtos e serviços financeiros pela população ribeirinha. A pesquisa indicou, ainda, oportunidade para o desenvolvimento de parcerias com instituições locais e órgãos do governo, visando suprir as restrições locais e fortalecer a sustentabilidade política e econômica do projeto. O estímulo ao uso consciente e responsável do sistema financeiro é fragilizado, entretanto, devido ao baixo engajamento com stakeholders locais - como os empreendedores da região -, que atuam como influenciadores e promotores das mudanças de atitude e comportamento, da população ribeirinha, acerca das práticas financeiras informais locais. Finalmente, o estudo identificou a necessidade de aceleração do desenvolvimento das capacidades financeiras, ampliando o escopo do componente Educação Financeira, com o objetivo de contemplar o desenvolvimento de conscientização e crítica que resultem em mudança individual de atitudes e comportamentos relacionados ao uso de produtos e serviços financeiros. Contribuições práticas – A partir dos resultados, essa pesquisa indicou a oportunidade, para a CAIXA, de desenvolvimento de parcerias, tanto com órgãos públicos como com instituições de poder locais nas regiões de atuação da Agência Barco. A pesquisa indicou, ainda, a importância do engajamento de iniciativas de inclusão financeira nas comunidades ribeirinhas da Amazônia com empreendedores locais. Finalmente, a demanda por treinamento e capacitação financeira, pelos entrevistados, indicou a oportunidade de desenvolvimento de programas com esse fim, como componente de destaque em programas de inclusão financeira mediada por TICs em comunidades de baixa renda. Originalidade – O presente estudo resultou na proposta de continuidade e evolução do modelo 2iDf (SANTOS; JOIA, 2016) de inclusão financeira mediada por TICs em regiões de baixa renda, a partir da expansão do componente “Educação Financeira” para “Capacidade Financeira”, além da inclusão, no modelo 2iDf, do novo componente “Engajamento com Stakeholders Locais” / Purpose – This research aims to investigate the role of Agência Barco Chico Mendes in the ICT-mediated financial inclusion of the riverine communities of the Amazon. Design/ Methodology – A case study was conducted through semi-structured interviews with clients of the Agência Barco Chico Mendes, banking correspondents, CAIXA employees and local stakeholders. To guide the results mapping and analysis, a theoretical model of financial inclusion mediated by ICT (2iDf model) was used, based on the investigation of the components present in initiatives of this nature. Data was analyzed using lexical analysis and content analyses procedures. Findings – The outcome indicates that the Agência Barco has a positive role in the access to financial products and services by the riverine population. The research also indicated an opportunity for development of partnerships with local institutions and public agencies to overcome local constraints and strengthen the political and economic sustainability of the project. The promotion of a conscious and responsible use of the financial system is weakened, however, by the low engagement of the initiative with local stakeholders, such as local entrepreneurs. These agents act as influencers and promoters of attitude and behavioral changes by the riverine population, on the practices related to the use of the financial system. Finally, the study identified the need to accelerate the development of financial capabilities, expanding the scope of the Financial Education component, to develop more awareness and criticism needed to an individual change of attitudes and behaviors related to the use of financial products and services. Practical implications – Based on the results, this research indicated the opportunity for CAIXA to develop partnerships, both with public agencies and local power institutions in the regions served by Agência Barco. The research also indicated the importance of the engagement, of financial inclusion initiatives, in the riverine communities with local entrepreneurs. Finally, the demand for training and financial capabities by the interviewees indicated the opportunity to develop programs for this purpose, as a prominent component in financial inclusion programs mediated by ICTs in low-income communities. Originality/ Value - The present study resulted in the proposal of continuity and evolution of the 2iDf (SANTOS; JOIA, 2016) model of ICT-mediated financial inclusion in low income regions, from the expansion of the "Financial Education" component to "Financial Capabilities", and the addition, in the 2iDf model, of the new component "Engagement with Local Stakeholders"