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Hacia unos Principios para las Finanzas Plateadas

Documento de trabajo - 14 de enero, 2025

Este documento presenta una primera aproximación hacia los principios fundamentales que orientan el diseño de productos y servicios financieros adaptados a las necesidades de las personas mayores. Los principios para las finanzas plateadas establecen lineamientos clave como la inclusión financiera universal, el empoderamiento económico, la accesibilidad tecnológica, y la perspectiva de género y diversidad. A través de estas directrices, se busca garantizar que las personas mayores participen plenamente en la economía, promoviendo un sistema financiero más inclusivo, sostenible y responsable, que responda a los retos demográficos de people over 60 is a priority.

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¡Revisa el reporte "Horizontes Plateados en América Latina"!

Publicación - 25 de febrero, 2025

El envejecimiento poblacional en América Latina y el Caribe avanza rápidamente, con más del 25% de la población superando los 60 años en las próximas décadas. A pesar de este cambio, las personas mayores enfrentan barreras significativas para su inclusión financiera, como el acceso limitado a cuentas y créditos formales, y la brecha digital. Este documento es el reporte de la serie de encuentros denominados “Horizontes Plateados”, espacios impulsados por la iniciativa “Finanzas Plateadas: Inclusión Financiera de por Vida”, liderada por la Sparkassenstiftung Alemana con el apoyo de BID Lab, el Ministerio Federal de Cooperación Económica y Desarrollo (BMZ) y Fundación “la Caixa”.

 

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Comunicado de prensa - 24 de enero, 2025​

La Fundación "la Caixa" y el BID se unen por la inclusión financiera de las personas mayores

La organización de este foro de economía plateada in Barcelona es una iniciativa surgida a raíz de la firma, el pasado marzo, de un acuerdo entre la Fundación “la Caixa” y la Sparkassenstiftung Alemana (Fundación de Cajas de Ahorros Alemanas), para trabajar juntamente con el BID para fomentar la inclusión financiera de las personas mayores.

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Press article - June 19, 2024

BID seeks to increase financial inclusion among adults over 60 years of age

The Silver Solutions initiative implemented by German Sparkassenstiftung, in collaboration with IDB Lab, seeks to improve and expand the financial inclusion of the over-60 population by reducing the digital divide and adapting the financial offerings for this sector in Latin America and the Caribbean.

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Publication - May, 2024

Executive summary of the top down report of the opening doors project - contextualization and trends in elderly care.

There is a wide diversity among people aged 60 and over, it is important to know their lifestyle, attitudes, needs, current challenges, among other important aspects to favor the growth of silver finances in the coming years. Learn more information in this report by Asobancaria and Saldarriaga Concha Foundation in Colombia.

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Publication - May, 2024

Executive summary - critical points and current experience in caring for people over 60 years of age in financial institutions

Learn about the findings of this report by Asobancaria and the Saldarriaga Concha Foundation on the financial needs and perceptions of people aged 60 and over regarding the financial system in which they have interacted through financial entities and actors in different cities in Colombia.

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Press article - March 15, 2024

“la Caixa” foundation agrees with German Sparkassen to promote finance inclusion in Latin America

“la Caixa” foundation is added as a partner in the German Sparkassenstiftung's Silver Finance project, developed in conjunction with IDB Lab, with the signing of a collaboration agreement to promote the financial inclusion of the population aged 60 and over in Latin America and the Caribbean.

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Press article - June 22, 2023

In the face of an aging population, it is necessary to reduce the financial gap for the elderly.

One proposal is the German Sparkassenstiftung’s "Silver Finance: Financial Inclusion for Life" initiative. It addresses an important challenge in the region: the financial inclusion of an increasingly aging population. 

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Press Release - June 14, 2023

BID Lab and German Sparkassenstiftung Sign Technical Cooperation Agreement

IDB Lab and German Sparkassenstiftung signed a technical cooperation agreement called "Silver Finance: Financial Inclusion for Life". This initiative seeks to expand financial inclusion and reduce the digital divide of the population over-60 in the Latin American and Caribbean region. 

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Event – December 6, 2023

The “Silver Solutions Program” call for proposals is now open!

During the III Silver Meeting, realized in Lima, Perú, the German Sparkassenstiftung launched the call for applications for its “Silver Solutions” program, which seeks innovative solutions to improve the financial inclusion of people over 60 years of age. 

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Publication - November, 2022

Silver Finance - Non-financial exclusion zone

It is increasingly evident that there is a risk of "financial exclusion" of the elderly due to the digital divide and the lack of products or services designed for their particular demands. This BID Lab publication aims to share some initiatives in the financial sector to adapt to the aging of people.

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Event – December 6, 2023

The “Silver Solutions Program” call for proposals is now open!

During the III Silver Meeting, realized in Lima, Perú, the German Sparkassenstiftung launched the call for applications for its “Silver Solutions” program, which seeks innovative solutions to improve the financial inclusion of people over 60 years of age. 

LEARN MORE

Publication - November, 2022

Silver Finance - Non-financial exclusion zone

It is increasingly evident that there is a risk of "financial exclusion" of the elderly due to the digital divide and the lack of products or services designed for their particular demands. This BID Lab publication aims to share some initiatives in the financial sector to adapt to the aging of people.

LEARN MORE