Financial technology innovations, known as Fintech, are a fundamental tool for advancing financial inclusion by offering innovative and accessible solutions to individuals and businesses previously excluded from traditional financial services. This role is particularly relevant in Latin American countries, where geographic dispersion and a lack of financial literacy limit financial access. This study aims to analyze the impact of financial technology on financial inclusion in Latin American countries by employing a balanced panel data model. The analysis uses cross-sectional data from the years 2011, 2014, 2017, and 2021. Fintech is proxied by fixed broadband subscriptions (per 100 people), while financial inclusion is captured through the use of digital payments, along with other variables related to access and usage of financial services and selected macroeconomic control variables. The main findings highlight the importance of digital infrastructure in facilitating formal access to the financial system, particularly through account ownership and savings capacity, though not through access to credit.

Financial inclusion is currently considered an important strategy to strengthen the economic growth of countries, especially developing ones. This study seeks to examine the impact that financial inclusion variables have had on the economic growth of Ecuador using quarterly time series information that corresponds to the period between 2020 and 2023. An error correction model was used, taking the Product Gross Domestic as a dependent variable and having as financial inclusion variables the credit granted by financial institutions with respect to GDP and the relationship credit granted by financial institutions with deposits; Other control variables were also used, such as liquidity in the broad sense (M2) in relation to GDP and the liquidity of banks and cooperatives. The study concluded that financial inclusion has a positive and significant impact on economic growth in Ecuador through the Credit variable; Additionally, in the short term all variables are related to each other, although in the long term only the variables M2/GDP and Credits/deposits influence the behavior of GDP.

El presente artículo estudia el valor monetario en los tiempos de viaje empleados por el jefe de hogar al lugar de trabajo y su efecto en la economía familiar, basándose en factores socioeconómicos, transporte y movilidad. Se utilizó un modelo econométrico de regresión logística (RL) Logit para un panel de datos de 397 trabajadores obtenidos de una encuesta de movilidad en los domicilios y lugares de trabajo en un día laborable directamente realizado a los jefes/as de hogar, los resultados mostraron el costo de oportunidad individual representado por el costo monetario del tiempo de viaje invertido. Palabras clave: Costo de Oportunidad, Economía Familiar, Utilidad marginal, Valor del tiempo. URL: http://revistas.uta.edu.ec/erevista/index.php/bcoyu/article/view/622