Conditional transfer and financial inclusion programs : opportunities and challenges in Latin America

Spanish version available in IDRC Digital Library: Programas de transferencias condicionadas e inclusión financiera : oportunidades y desafíos en América LatinaThis paper presents a summary of the progress in financial inclusion in Conditional cash transfer programs (CCTPS) in Latin America and the Caribbean (LAC), the supply of financial services in CCTPS, and assessments of the process of inclusion in the formal banking and financial systems. Some programs are bringing beneficiaries closer to the formal financial system, enabling them to gain access to some of the systems’ products and services