{"id":"https://openalex.org/W3126803059","doi":"https://doi.org/10.1109/mitp.2020.3028486","title":"Financial Technology in Latin America","display_name":"Financial Technology in Latin America","publication_year":2021,"publication_date":"2021-01-01","ids":{"openalex":"https://openalex.org/W3126803059","doi":"https://doi.org/10.1109/mitp.2020.3028486","mag":"3126803059"},"language":"en","primary_location":{"id":"doi:10.1109/mitp.2020.3028486","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mitp.2020.3028486","pdf_url":null,"source":{"id":"https://openalex.org/S86192639","display_name":"IT Professional","issn_l":"1520-9202","issn":["1520-9202","1941-045X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320439","host_organization_name":"IEEE Computer Society","host_organization_lineage":["https://openalex.org/P4310320439","https://openalex.org/P4310319808"],"host_organization_lineage_names":["IEEE Computer Society","Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IT Professional","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5022136245","display_name":"Diana Rojas-Torres","orcid":"https://orcid.org/0000-0002-9202-9972"},"institutions":[{"id":"https://openalex.org/I157650460","display_name":"Universidad de La Sabana","ror":"https://ror.org/02sqgkj21","country_code":"CO","type":"education","lineage":["https://openalex.org/I157650460"]}],"countries":["CO"],"is_corresponding":false,"raw_author_name":"Diana Rojas-Torres","raw_affiliation_strings":["Universidad de La Sabana"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universidad de La Sabana","institution_ids":["https://openalex.org/I157650460"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5025481201","display_name":"Nir Kshetri","orcid":"https://orcid.org/0000-0002-1408-4212"},"institutions":[{"id":"https://openalex.org/I169335092","display_name":"University of North Carolina at Greensboro","ror":"https://ror.org/04fnxsj42","country_code":"US","type":"education","lineage":["https://openalex.org/I169335092"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Nir Kshetri","raw_affiliation_strings":["University of North Carolina at Greensboro"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of North Carolina at Greensboro","institution_ids":["https://openalex.org/I169335092"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5113465626","display_name":"Mamduh M. Hanafi","orcid":"https://orcid.org/0000-0003-0786-1420"},"institutions":[{"id":"https://openalex.org/I165230279","display_name":"Universitas Gadjah Mada","ror":"https://ror.org/03ke6d638","country_code":"ID","type":"education","lineage":["https://openalex.org/I165230279"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Mamduh M. Hanafi","raw_affiliation_strings":["Universitas Gadjah Mada"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Gadjah Mada","institution_ids":["https://openalex.org/I165230279"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5084231941","display_name":"Samia Kouki","orcid":null},"institutions":[{"id":"https://openalex.org/I119744171","display_name":"Higher Colleges of Technology","ror":"https://ror.org/00qmy9z88","country_code":"AE","type":"education","lineage":["https://openalex.org/I119744171"]}],"countries":["AE"],"is_corresponding":false,"raw_author_name":"Samia Kouki","raw_affiliation_strings":["Higher Colleges of Technology"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Higher Colleges of Technology","institution_ids":["https://openalex.org/I119744171"]}]}],"institutions":[],"countries_distinct_count":4,"institutions_distinct_count":4,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":2.1138,"has_fulltext":false,"cited_by_count":11,"citation_normalized_percentile":{"value":0.88178144,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":98},"biblio":{"volume":"23","issue":"1","first_page":"95","last_page":"98"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9801999926567078,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9801999926567078,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9556000232696533,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/unbanked","display_name":"Unbanked","score":0.9165084362030029},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.6809974908828735},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.6225153207778931},{"id":"https://openalex.org/keywords/digitization","display_name":"Digitization","score":0.58016437292099},{"id":"https://openalex.org/keywords/population","display_name":"Population","score":0.5583521723747253},{"id":"https://openalex.org/keywords/latin-americans","display_name":"Latin Americans","score":0.5515501499176025},{"id":"https://openalex.org/keywords/disadvantaged","display_name":"Disadvantaged","score":0.4858078956604004},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.41801512241363525},{"id":"https://openalex.org/keywords/economic-growth","display_name":"Economic growth","score":0.3278296887874603},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.25658106803894043},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.2543448805809021},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.17500290274620056},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.10840070247650146}],"concepts":[{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.9165084362030029},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6809974908828735},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6225153207778931},{"id":"https://openalex.org/C2779308522","wikidata":"https://www.wikidata.org/wiki/Q843958","display_name":"Digitization","level":2,"score":0.58016437292099},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.5583521723747253},{"id":"https://openalex.org/C158886217","wikidata":"https://www.wikidata.org/wiki/Q16799549","display_name":"Latin Americans","level":2,"score":0.5515501499176025},{"id":"https://openalex.org/C2780623907","wikidata":"https://www.wikidata.org/wiki/Q106394435","display_name":"Disadvantaged","level":2,"score":0.4858078956604004},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.41801512241363525},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.3278296887874603},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.25658106803894043},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2543448805809021},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.17500290274620056},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.10840070247650146},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/mitp.2020.3028486","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mitp.2020.3028486","pdf_url":null,"source":{"id":"https://openalex.org/S86192639","display_name":"IT Professional","issn_l":"1520-9202","issn":["1520-9202","1941-045X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320439","host_organization_name":"IEEE Computer Society","host_organization_lineage":["https://openalex.org/P4310320439","https://openalex.org/P4310319808"],"host_organization_lineage_names":["IEEE Computer Society","Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IT Professional","raw_type":"journal-article"},{"id":"pmh:oai:intellectum.unisabana.edu.co:10818/52139","is_oa":false,"landing_page_url":"https://ieeexplore.ieee.org/abstract/document/9340038","pdf_url":null,"source":{"id":"https://openalex.org/S4306401748","display_name":"Intellectum (Universidad de La Sabana)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I157650460","host_organization_name":"Universidad de La Sabana","host_organization_lineage":["https://openalex.org/I157650460"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Intellectum Repositorio Universidad de La Sabana","raw_type":"Art\u00edculo de revista"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":3,"referenced_works":["https://openalex.org/W283333271","https://openalex.org/W2038997706","https://openalex.org/W3008599585"],"related_works":["https://openalex.org/W1550045805","https://openalex.org/W3092439672","https://openalex.org/W3124561986","https://openalex.org/W2553599378","https://openalex.org/W3025965983","https://openalex.org/W2255318989","https://openalex.org/W2886467054","https://openalex.org/W2218038986","https://openalex.org/W2783001468","https://openalex.org/W2756149219"],"abstract_inverted_index":{"Latin":[0],"America":[1],"has":[2],"a":[3,16],"large":[4,87],"unbanked":[5],"or":[6],"underbanked":[7],"population":[8,13],"that":[9,61,118],"owns":[10],"smartphones.":[11],"This":[12],"is":[14,60],"in":[15,24,30,39],"position":[17],"to":[18,68,101],"benefit":[19,53],"from":[20],"the":[21,31,40,45,48,57,62,70,83,106,115],"rapid":[22],"growth":[23,46],"Fintech":[25,49,55,77,95],"companies":[26,78],"such":[27,104],"as":[28,105],"neobanks":[29],"region.":[32],"New":[33],"regulatory":[34],"frameworks":[35],"have":[36,43],"also":[37],"evolved":[38],"region,":[41],"which":[42,97],"stimulated":[44],"of":[47,54,64,89,108],"industry.":[50],"An":[51],"additional":[52],"at":[56,112],"national":[58],"level":[59],"digitization":[63],"financial":[65],"services":[66,103],"helps":[67],"formalize":[69],"informal":[71],"economy.":[72],"The":[73],"benefits":[74],"offered":[75],"by":[76],"were":[79],"especially":[80],"apparent":[81],"during":[82,114],"COVID-19":[84,116],"pandemic.":[85],"A":[86],"number":[88],"disadvantaged":[90],"groups":[91],"had":[92],"accounts":[93],"with":[94],"companies,":[96],"provided":[98],"them":[99],"access":[100],"essential":[102],"delivery":[107],"medicines":[109],"and":[110],"groceries":[111],"home":[113],"pandemic":[117],"would":[119],"not":[120],"otherwise":[121],"be":[122],"possible.":[123]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":2}],"updated_date":"2026-07-02T09:51:11.867554","created_date":"2025-10-10T00:00:00"}