“ Gamification , chatbots and personal finance management apps can improve financial literacy by providing interactive and engaging tools that educate and empower people to make better financial decisions . And online educational courses and e-learning platforms help overcome barriers causing unequal access to education and provide affordable and accessible education to people worldwide .”
DO WE RISK LEAVING SOME VULNERABLE CONSUMERS BEHIND ? Much of the progress towards greater financial inclusion has been informed by high smartphone penetration rates . So , as the world becomes increasingly digital , do we risk leaving vulnerable and disconnected consumers behind ?
According to the World Bank , nearly twothirds of the world today is connected to the internet – but those figures belie the number of people , even in rich economies , who lack access . In the United States , for example , 8 % of the population don ’ t have internet access ( a segment that accounts for over 25m people ); while in the entire eurozone , which covers a population greater than the US , the correspondent percentage is 13 %. This shows that connectivity is still a global problem , not just a matter of developing versus developed economies .
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