Cidadania financeira: o papel do Banco Central no processo de inclusão e de inovação do Sistema Financeiro Nacional

Abstract

The Central Bank of Brazil has been elaborating several public policies in the sense of making the Brazilian financial system more democratic and egalitarian, seeking to integrate the constant innovations that the financial system requires, with the democratization of its access. The objective of this work is to investigate the effects of the policies elaborated by the Central Bank, aimed at social inclusion in the Brazilian payment system, based on concepts of development, inclusion and financial citizenship defined by the Central Bank itself. This is a descriptive, documental and quantitative research. As for the data collection and treatment procedures, secondary data and descriptive statistics were used. The results found show that the Central Bank has been playing a significant role in the implementation of "financial citizenship" within its attributions as regulator of the National Financial System; elaborating policies to foster inclusion, significantly favoring access to financial means by the population, especially those who, before these policies, did not have access to the financial system.