Acceso usuarios
Sonia Ortiz Montes, Julia Margarita Núñez Tabales 
Nos últimos anos multiplicáronse os esforzos a nivel mundial por favorecer o acceso aos servizos financeiros especialmente en determinados países e para determinados colectivos, incrementándose o interese pola construción de sistemas financeiros incluíntes. Neste trabajo analízase a inclusión financeira, estudando as súas diferentes dimensións, os beneficios que comporta, o seu carácter prioritario nos últimos tempos para multitude de organismos e os obstáculos ao seu desenvolvemento. Concretamente, centrouse a atención na súa evolución na rexión de América Latina e o Caribe, comprobándose que, en xeral, trátase dunha rexión cun acceso ao sistema financeiro en desenvolvemento e no que persisten aínda desigualdades no ámbito social. Porén, albíscase un potencial significativo de mellora froito especialmente da evolución tecnolóxica e do esforzo dos organismos implicados.
In the past years global efforts to increase access to financial services have been multiplied especially in certain countries and for certain groups, growing the interest in the construction of financial inclusive systems. The financial inclusion is analyzed, studying their different dimensions, its benefits, its priority character in recent times for many institutions and the obstacles to its development. In particular, attention has focused on its evolution in the region of Latin America and the Caribbean, proving that, in general it is a region with access to the developing financial system and in which inequalities in the social sphere still exist. However, a significant potential for improvement is emerging, especially as a result of the technological evolution and the effort of the institutions involved.
