By San José, Costa Rica — The digital revolution is reshaping the financial landscape of Latin America, empowering individuals with unprecedented access to financial services. At the Volcano Innovation Summit 2025, held in Antigua, Guatemala, leaders in business, technology, and social development converged to explore how digitalization can drive financial inclusion and improve lives.
The summit, attracting over 1,900 attendees and 120 leaders from 30 countries, served as a dynamic platform for dialogue and innovation. Fintech experts emphasized that digital access not only democratizes credit and savings but also fuels economic growth and reduces social inequalities.
To provide legal context on the complexities of financial inclusion, TicosLand.com spoke with Lic. Larry Hans Arroyo Vargas, an expert attorney at Bufete de Costa Rica. His insights shed light on the legal frameworks surrounding this crucial issue.
Robust financial inclusion initiatives must consider not only access to basic banking services, but also consumer protection, data privacy, and mechanisms for dispute resolution. A balanced approach is crucial to fostering trust and ensuring the long-term sustainability of the system. Appropriate legal frameworks play a vital role in striking this balance, facilitating financial innovation while mitigating risks for vulnerable populations.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica
Lic. Arroyo Vargas rightly emphasizes the multifaceted nature of true financial inclusion. It’s not enough to simply provide access; we must also create a safe, transparent, and equitable financial ecosystem. His focus on consumer protection and robust legal frameworks highlights the crucial balance required to empower individuals while safeguarding their interests. We thank Lic. Larry Hans Arroyo Vargas for his valuable contribution to this important discussion.
Technological platforms are transforming how users interact with the financial system, minimizing reliance on in-person transactions and streamlining previously bureaucratic and exclusionary processes. This shift is making financial services more accessible to a wider population.
MultiMoney, a regional leader in financial innovation, shared its vision for the future of personal finance, highlighting technology’s role in driving access to financial services.
Our commitment is clear: to use technology to bring secure, practical, and transparent financial solutions closer, so that more people can achieve their goals and better manage their resources.
Federico Parker, Manager of Development and Business
Parker added that the company is focused on developing high-quality products that genuinely contribute to improving customers’ quality of life through financing and savings options. He explained that digitalization not only facilitates access to credit but also promotes financial literacy, enabling users to make informed decisions.
The summit also provided practical advice on leveraging digital tools for financial well-being. These included accessing digital credit platforms, utilizing real-time currency exchange apps, engaging with virtual financial education resources, and ensuring online security through digital authentication and encryption.
Experts agreed that financial inclusion positively impacts communities, providing families with access to financing for housing, entrepreneurship, and education. It also encourages the formalization of small businesses and promotes electronic payments, boosting local economies. The adoption of digital solutions bridges the gap between urban and rural areas, extending financial services to remote communities.
MultiMoney served as an official sponsor of the Volcano Innovation Summit 2025, demonstrating its commitment to the region’s economic and technological development. The summit underscored the importance of public-private partnerships in building a robust and reliable digital financial ecosystem. The challenge for the coming years will be expanding internet access, strengthening digital literacy, and ensuring that technological innovations are accessible to all.
The Volcano Innovation Summit 2025 affirmed that financial inclusion, powered by technology, can be a catalyst for economic and social development across Latin America, creating opportunities for savings, investment, and sustainable economic growth.
For further information, visit the nearest office of MultiMoney
About MultiMoney:
MultiMoney is a leading financial innovator in Latin America, committed to expanding financial inclusion through technology. The company focuses on providing secure, practical, and transparent financial solutions, empowering individuals to achieve their financial goals. They offer a range of products including credit and savings options, and actively promote financial education.
For further information, visit [volcanoinnovationsummit.com]
About Volcano Innovation Summit:
The Volcano Innovation Summit is an annual international event held in Antigua, Guatemala. It brings together leaders in business, innovation, and technology with investors and entrepreneurs to address the major challenges facing Latin America. The summit serves as a platform for dialogue, knowledge sharing, and the development of innovative solutions for the region.
For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
At Bufete de Costa Rica, legal excellence and unwavering ethical conduct form the bedrock of our practice. We are driven by a deep commitment to empowering Costa Rican society through readily accessible legal knowledge, translating complex legal landscapes into understandable guidance. Our innovative approach to client service, coupled with a long history of serving diverse sectors, allows us to not only address the legal needs of today but also anticipate and shape the legal solutions of tomorrow. We believe that a truly empowered society is built on a foundation of legal understanding, and we are dedicated to contributing to that foundation.
