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Electronic copy available at: /abstract=4026374
© 2021 International Monetary Fund WP/21/175
IMF Working Paper
Western Hemisphere Department
Fintech Potential for Remittance Transfers: A Central America Perspective
Prepared by Julia Bersch, Jean François Clevy, Naseem Muhammad, Esther Pérez Ruiz, and
Yorbol Yakhshilikov 1
Authorized for distribution by Patricia Alonso-Gamo
June 2021
IMF Working Papers describe research in progress by the author(s) and are published to elicit
comments and to encourage debate. The views expressed in IMF Working Papers are those of the
author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF
management.
Abstract
This paper analyzes the potential for fintech to facilitate cheaper and more efficient remittances, and
to enhance financial inclusion in Central America. Digital remittances remain nascent in the region,
primarily reflecting behavioral inertia, small cost advantages of digital over traditional channels, and
inadequate financial literacy. Through expanded alliances between traditional and fintech operators,
digital remittances can further reduce transaction costs and reach those remote, low-income
households in a timely and secure manner. A meaningful expansion of fintech remittances
necessitates an enabling regulatory environment for digital financial services, and KYC and AML/CFT
requirements proportionate to the value of transfers.
JEL Classification Numbers: E42, F24, G23, G28, G53, L11, O54.
Keywords: Central America, fintech, remittance transfers, cross-border payments, mobile money,
financial inclusi
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