Financial inclusion in Costa Rica lags behind the OECD
Insurance penetration is low
Mobile or internet-based financial services use is more frequent than the peers
Intermediation margins have historically been high
Poor and less-developed countries have lower financial inclusion
Costa Rican consumers deem financial services to be expensive
The distribution of credit among households displays large inequality
Smaller SMEs face difficulties in having access to financial services
The interest premium paid by smaller SMEs is higher than in peer countries
Gender gaps in financial inclusion are large
Priority groups mainly rely on savings accounts
Indigenous populations suffer from severe financial exclusion
Household indebtedness has increased rapidly
Financial literacy outcomes are low
Financial inclusion of agricultural SMEs is low
Micro-entrepreneurs are discouraged from applying for loans
Smaller SMEs find it hard to borrow from private banks
Development banking credit is scarce
The payments system supports an increasing number of digital and mobile transactions