Almost bankers

- According to World Bank data, in 2017, 1.7 billion adults around the world are unbanked. They do not have access to savings, financing, loans, credit, among other benefits of modern life. Traditional banks have always been elitist in terms of access to their services and this has contributed a lot to this process, especially in developed and developing countries.

With the digital transformation and the advent of Fintech’s, in the last few years, a process of almost banking has accelerated. And we talk about quasi-bankarization because it is no use just creating an account with an internet bank to consider yourself bankarized.

Does the customer know what a bank is for?

Does the customer know how to use credit?

Does the client know how to invest?

Or do you have the bank just to receive some money once in a while?

The banking process requires the development of a basic skill so that the services are used efficiently and effectively, bringing benefits to all: Financial education.

Without minimal knowledge in basic economics, the

almost bankers can become a problem for digital financial institutions, which today capture mass customers in the market, but then they will have to work on administering services to an audience without preparation to manage their life in a financial institution.

And that can be the advantage of cryptography projects in the banking process, especially with younger people. If these projects can contemplate the financial services associated with a financial education model on the platform itself, be it associated with quiz games or educational games with stages awarded with tokens, for example, it will be qualifying your audience and, in parallel, increasing your negotiations.

There is a vast ocean of options and ideas to be navigated in this new world that is just beginning, we just cannot forget that we are in a great marathon and not in a 100 meter dash, so regularity is healthier than the speed undertaken.