Financial inclusion: A necessity, not just a trend

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Financial inclusion is not just a trend; it is an urgent necessity.

Financial inclusion: A necessity, not just a trend 2

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April 11, 2025 by Angel Almarza — Marketing, Serquo Software SA

Financial inclusion is not just a trend; it is an urgent necessity. Millions of people face barriers to accessing basic banking services, such as withdrawing cash or making transfers. Elderly individuals, people with disabilities, or those in vulnerable situations encounter difficulties that limit their autonomy. If banking is not accessible to everyone, it fails to fulfill its essential function.

In recent years, there has been a push to deliver banking services to the unbanked or underbanked. However, many of these efforts fall short, due to other issues.

Often, the problem is not a lack of user interest but rather the barriers imposed. From branches with limited access to digital interfaces that are not adapted, inclusion remains a challenge. The digital divide also excludes those who are not proficient in technology or lack the means to use it.

There is no doubt that digitalization has significantly improved access to banking for many people, allowing them to operate without having to travel and offering greater flexibility in terms of time. However, it has also created new challenges. For some, learning to use a banking app is a complex task, and if digital platforms are not designed with accessibility principles in mind, the result is the exclusion of those who need support the most.

From my experience, I have seen how digitalization has changed the way we interact with banking. Today, most transactions can be completed in just a few clicks. But if we want technology to be truly transformative, it must be inclusive from the outset. It’s not just about offering a digital solution—it’s about ensuring that solution can be used by everyone.

At Serquo, we believe that technology should be a tool for inclusion, not a barrier. That’s why we have worked to develop solutions that ensure accessibility in digital banking. One such solution is our AI-based audio validation functionality in our ATM simulator. This innovation allows us to validate the accessibility of digital screens, ensuring they are understandable and navigable for visually impaired users.

It is deeply important for banks to not only meet ADA guidelines but exceed them to deliver an experience that is inclusive and helpful.

For Serquo, Atmirage is not just a technological advancement; it is also a firm step toward more inclusive banking. By improving the accessibility of digital services, we are breaking down barriers and enabling more people to access their finances independently and securely.

By delivering inclusive banking, everyone benefits: banks, people and businesses.

About Angel Almarza

Marketing professional with over 10 years of experience, currently at Serquo, a leader in technological solutions for the financial sector. Passionate about digital strategies, content creation, and brand positioning, with a strong focus on innovation in the ATM industry.

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