Peru: National Financial Inclusion Strategy

Peru's National Financial Inclusion Strategy (ENIF) has the central objective of promoting access to and responsible use of comprehensive financial services that are safe, efficient, innovative and appropriate to the needs of different sectors of the population. To achieve this purpose, the ENIF is based on three essential pillars: access, use and quality, which represent the main dimensions of financial inclusion. These encompass the physical coverage of financial services, a diversified product ecosystem that responds to demand, and user confidence, based on an informed and protected use of such services. Within this framework, the strategy establishes seven priority lines of action: savings, payments, financing, insurance, consumer protection, financial education and attention to vulnerable groups. These areas allow a focused thematic intervention and a better articulation between the different public and private actors. To ensure coordination and follow-up, seven thematic technical groups were formed, one for each line of action, which function as spaces for consultation and exchange. The ENIF is also a public policy instrument aimed at contributing to decentralized and inclusive economic development, while maintaining the stability of the financial system. Its approach not only considers the needs of the population as a whole, but also pays special attention to vulnerable groups, such as young people, who face particular challenges in their financial inclusion process.