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What is the global challenge to identifying the most innovative startups with the highest growth potential in financial inclusion?

What challenges do we want to face?


The projects must show solutions that meet at least one of these three objectives:


Finance for Youth


In some parts of the world, the segment of the population between 15 and 24 years of age is experiencing rapid growth as a labor force, which translates into an excellent opportunity to accelerate its economic development: guarantee a healthy life, promote education and lifelong learning, create jobs, improve social protection and reduce inequality.


How does your solution help improve and simplify the user experience and build trust to attract and retain younger customers?


How can your solution improve product and service offerings and expand financial opportunities for the education and advancement of young people?


Finance for the Elderly


People over 65 are the fastest-growing segment of the world population, so their role in society and the economy must take on new relevance, reinforcing their inclusion in the digital economy.


How can your solution help provide products that enable seniors to manage their finances and daily lives?


How can your solution help increase the adoption of digital banking by seniors through a more seamless, transparent, and personalized experience?


Finance for Unbanked


The access and use of financial products pose significant challenges in the face of thousands of people outside the financial system.

How can your solution facilitate the access and adoption of financial products among those who do not even have a bank account?

How can your solution allow those outside the financial system to build a credit history?


Who are the consumers?


Startups and scaleups from the countries where Banco Santander operates, with solutions that help facilitate the financial inclusion of the entire population.


Startup category: that is legally constituted, currently markets an innovative, scalable product and service, and whose annual income does not exceed €250,000.


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