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¿Cómo alcanzar la inclusión financiera de las mujeres? El rol de los intermediarios financieros y los datos desagregados por sexo

A la luz del número de iniciativas desarrolladas en América Latina y el Caribe para aumentar la disponibilidad y el uso de datos desagregados, por el lado de la demanda (cliente) y la oferta (institución) en todo el ecosistema, podríamos pensar que hemos pasado de preguntar a nuestros intermediarios financieros: “¿Qué tan grande es la oportunidad del mercado de las mujeres en América Latina y el Caribe?” a “¿la iniciativa del mercado de mujeres se desempeñó como se esperaba?” Pero no lo hemos hecho.

Las mujeres siguen siendo una oportunidad de mercado sin explotar para los proveedores de servicios financieros en América Latina y el Caribe. De hecho, es menos probable que las mujeres tengan una cuenta bancaria por una diferencia de seis puntos porcentuales respecto de los hombres en la región, según la Base de Datos Global de Inclusión Financiera. Muchos países de la región no cuentan con los datos que les permitan dimensionar con precisión el mercado de mujeres. Por ejemplo: el número de pequeñas y medianas empresas (PYME) administradas o propiedad de mujeres. Para quienes lo hacen, muchos intermediarios financieros de estos países no están mirando sus propias carteras para entender a cuántas mujeres están sirviendo, ni están usando esos datos para tomar medidas que permitan cerrar la brecha de inclusión financiera de las mujeres. Todos están perdiendo la oportunidad de comprender mejor su desempeño, desarrollar estrategias para aumentar su participación en el mercado, reducir la desigualdad de ingresos y promover el crecimiento económico.

Por estas razones, BID Invest se unió a la asociación de Women’s Financial Inclusion Data (WFID) para ayudar a determinar en qué parte del camino hacia la completa inclusión financiera de las mujeres se encuentran los intermediarios financieros de América Latina y el Caribe, y priorizar las áreas claves donde los datos puedan respaldar toma de decisiones a través de este camino. Estas instituciones necesitan una imagen precisa del mercado de mujeres para estimar su potencial, desarrollar un caso de negocios y monitorear su desempeño a medida que se dirigen a las mujeres.

¿Dónde deberían comenzar a tener el mayor impacto los intermediarios financieros?

¿Qué datos presentan las mejores oportunidades para generar un impacto en la inclusión financiera de las mujeres? ¿Qué existe ya? ¿Qué tipos de datos se necesitan? La asociación del WFID responde a estas preguntas en el resumen de la política que lanzó este 20 de abril de 2018.

Los hallazgos del WFID muestran que el área de datos más limitada para los intermediarios financieros es el caso comercial. Los intermediarios financieros necesitan más información sobre: el rendimiento financiero interno (consumo del cliente, desgaste financiero, ingresos, ganancias), el impacto en los clientes (lealtad, nivel de satisfacción, posicionamiento de marca y puntajes netos de promoción), y la inversión requerida; si queremos que entiendan la oportunidad de negocio que existe y tomen medidas que conduzcan a una mayor inclusión financiera para las mujeres.

Si por el lado de la oferta no se recopilan datos desagregados por sexo, incluidos datos de las carteras de alto nivel, así como un análisis más detallado de ingresos y ganancias, los intermediarios financieros de América Latina y el Caribe no podrán diseñar, implementar o medir los programas de mercado de las mujeres. Esto requiere un enfoque en tres áreas principales:

  • Disponibilidad de los datos, asegurando que los sistemas etiqueten a los clientes por sexo.
  • Calidad de los datos, identificando cuidadosamente quién tiene el control de una cuenta, identificando mujeres propietarias de negocios que pueden estar en su cartera de consumidores, utilizando sistemas de información de gestión con funcionalidad flexible y creando sistemas de gestión de relaciones con los clientes que vinculan datos de productos a datos demográficos de los clientes por sexo, etc.
  • Uso de los datos, garantizando sólidas capacidades estadísticas para recopilar, limpiar, verificar y analizar.

Si los intermediarios financieros comienzan por recopilar y analizar sus propios datos de cartera, podrán desarrollar internamente casos comerciales sólidos que permitan impulsar decisiones estratégicas para lograr la inclusión financiera total de las mujeres. Una sólida base de datos permitirá a los intermediarios financieros medir los resultados de desempeño más tarde, reduciendo la brecha entre “¿Cuán grande es la oportunidad del mercado de las mujeres en América Latina y el Caribe?” a “¿Funcionó la iniciativa para el mercado de mujeres como se esperaba?


Acerca del Autor / Lauren Murphy

Lauren Murphy
Lauren Murphy es Oficial de Inversiones en Servicios de Asesoramiento para BID Invest y se especializa en igualdad de género. Lauren tiene una experiencia variada en el diseño de productos y programas del sector privado que apuntan a la banca de PYMEs, microfinanzas e iniciativas de igualdad de género corporativas en América Latina y el Caribe. Lauren ha trabajado como especialista en género en todo el Grupo del Banco Interamericano de Desarrollo, incluyendo funciones en el Fondo Multilateral de Inversiones y la representación local en Paraguay.

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