Latam - UK Programme


Fintech for Inclusion aims to advance financial inclusion in Latin America and the United Kingdom by creating synergies between both regions. In Latin America, 46% of the adult population did not have a bank account in 2017, according to the Inter-American Development Bank. This is representative of deeper inequalities in the region and a common measure of the lack of financial inclusion. Having a bank account improves the safety of the population, facilitates their transactions, and increases the likelihood that they will save or invest. Besides, as of 2017 over 1 million people in the United Kingdom lack a bank account. Hence, advancing financial inclusion is a key priority in both regions. Importantly, financial inclusion can advance 13 out of the 17 Sustainable Development Goals according to the United Nations.


Financial technology, or simply fintech, is the use of innovative technologies to deliver financial services. The fintech sector has opened the pathway for innovation to create new financial services within the context of the fourth industrial revolution. The growing opportunity for fintech to help financial inclusion led Shaping Horizons to adopt it as the focus of its work in 2020-2021. 

Fintech for Inclusion is a three-stage open innovation process designed by Shaping Horizons to ignite projects and promote international collaboration. Teams that successfully complete the ideation stage (either in person or digitally), will be eligible for non-equity financing while they implement and advance their projects. Up to £25,000 will be distributed among teams. Moreover, an equivalent of £10,000 will be further distributed among the best team/s to cover training activities, with expenses covered, at the University of Cambridge. At this stage, Shaping Horizons will also facilitate scalability and provide tools for measuring social impact. The topics of the programme are Loans and Microcredits; Savings and Investments; Payment methods; and Financial Education. It is co-organized by our organization together with Global Shapers Buenos Aires Hub, the Accelerator Lab of the United Nations Development Programme in Argentina, the United Nations Volunteering Programme. It is further supported by partners that include the United Nations Development Programme in Mexico, Ashoka and Universidad Nacional de San Martín.


The programme will focus on the following key strategic areas: 

  • Loans and Microcredits: solutions that aim to increase the financial resources of those who need it to maintain their

activities or livelihoods. Some recent examples include: micro-credits, crowdlending, and many more.

  • Savings and Investments: solutions that aim to increase the financial resources of people and/or organizations. Some

recent examples include: fixed-term savings, crowdfunding, stocks, and many more.

  • Payment methods: solutions for people and/or organizations that allow the exchange of goods. Some examples

include: credit cards, pins, QR codes, facial recognition, fingerprints, and many more. 

  • Financial Education: teaching or assisting, through consulting for personal or enterprise purposes, are what we

imagine when we talk about financial education.




Please note that if you do not meet any of the criteria for participants we will soon open an applications for mentors where you will also take place in the programme and be part of the network!

Please visit our FAQs for questions or submit your query here


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The Shaping Horizons Methodology to foster open innovation is registered under an Attribution-NonCommercial-NoDerivatives 4.0 International License. This include webpage and all material thereof, excluding name and logo.