Actionable Insights for Financial Institutions in the Americas

Despite progress in expanding access to financial services across the Americas, many providers still struggle to serve all customers equitably—not because demand is lacking, but due to technical limitations in infrastructure and systems that constrain innovation and inclusion.

This Galileo Financial Technologies analysis draws on the Technical Inclusion Index, a survey of 600+ CTOs and CIOs across banking, fintech, telecom, retail, and travel sectors in the U.S., Mexico, Brazil, Colombia, and Argentina. The findings reveal how outdated platforms, fractured data systems, and security barriers are preventing institutions from reaching underserved populations and capturing new revenue opportunities.

In this resource, you’ll learn how technical obstacles impact inclusion and growth:

• Why technical inclusion matters: Firms recognize that inclusive service delivery is fundamentally a technology challenge, not just a compliance or social goal.
• The cost of exclusion: Nearly half of organizations report losing significant business due to inadequate technology.
• Top barriers identified by industry leaders:
  • Data silos and interoperability gaps that limit holistic customer insight.
  • Legacy systems and infrastructure incompatibilities that stall product launches and upgrades.
  • Security trade-offs between broad accessibility and robust protection.
• Regional differences and opportunities: Latin American institutions show greater awareness of inclusion challenges, while U.S. firms display stronger leadership commitment to modernization—suggesting complementary strengths that can inform cross-market strategies.

Whether your organization is evaluating modernization priorities or seeking ways to break into underserved markets, this report provides a practical framework for turning technical inclusion into competitive advantage.

Download the full Technical Inclusion Index report to uncover the hidden barriers to financial access—and the technology strategies leading institutions are using to overcome them.

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