The lack of transparency in markets, processes, laws, regulations, agents, etc. fosters wariness, which pushes individuals to resort to less formal financial institutions, but which may be more known to them, and are either clearly or relatively less costly , at least from their perspective.
La falta de transparencia en los mercados, procesos, leyes, reglamentos, agentes, etcétera, fomenta la desconfianza, lo que provoca que los individuos acudan a instituciones financieras menos formales, pero más conocidas, claras o relativamente menos costosas , al menos en su perspectiva.