Financial inclusion in Colombia in 2026 is driven by technology, which reduces access barriers, improves user experience and strengthens trust in digital financial services.
Talking about financial inclusion in Colombia in 2026 means talking about technology—not as an end in itself, but as an enabler that helps reduce long-standing barriers and bring financial services closer to individuals and businesses that for years remained outside the formal financial system.
Over the past year, Colombians have witnessed how digitalization has expanded access to financial services, reducing friction, lowering costs, and decreasing dependence on cash. This progress is reflected in systems such as Bre-B, which by the end of 2025 surpassed 95 million registered keys, and reached an average transaction value of COP 159,000, demonstrating early adoption and growing user trust in digital payments, according to figures from the Bank of the Republic.
When combined with regulation and inclusive models, technology becomes a true tool for equity. In Colombia, this purpose is reflected in developments such as the open finance framework established through Decree 1297 of 2022, as well as in the interoperability regulations for low-value instant payment systems, developed under Law 2294 of 2023 and regulations issued by the Bank of the Republic. These initiatives aim to foster competition, encourage innovation, and build a more accessible and integrated payments ecosystem.
The impact is especially visible among microbusinesses and independent workers. Today, accepting digital payments from a mobile phone not only expands sales opportunities but also improves transaction traceability and supports business formalization.
Simple user experiences, more agile onboarding processes, and mechanisms such as one-click payments have been key factors in enabling users with lower levels of financial literacy to adopt these services more easily.
Another key factor in reducing the financial gap is interoperability. Open platforms and integrated solutions allow banks, Fintech companies, and merchants to offer essential services more efficiently, expanding reach while reducing costs.
However, technological adoption cannot be sustained without trust. Trust is built through consistent experiences, high security standards, and continuous support for citizens from the companies that provide these services.
In this context, technology companies within the financial ecosystem, such as Evertec, play a strategic role by acting as a bridge between global innovation and local needs. This helps strengthen competitiveness in the local payments industry by adapting regional solutions, giving clients more options and greater ability to differentiate themselves in the market.
Finally, and equally important, financial education completes this process. Without knowledge, technology loses its impact. Training, clear communication, and user-centered experiences are essential for people to use digital services responsibly.
Digital financial inclusion does not depend solely on technological advances. It is the result of a combination of infrastructure, education, trust, and collaboration. Only in this way will more Colombians be able to access high-quality digital financial services and actively participate in an economy increasingly shaped by technology, with payments embedded within the user experience.
