4  The CNBV reports the data on coverage by commission http://portafoliodeinformacion.cnbv.gob.mx/bm1/Paginas/infoper.aspx  2  agents  at  the  municipal  level  BIS central bankers’ speeches  In the final analysis, keeping up with the pace of society will continue to be essential to broadening the formal financial system.
Throughout the world, it has been clear that many market transformations have come from social initiatives or businesses with the imagination, creativity and technology to satisfy savings, lending and payment needs. For example, in many countries, innovations have included the creation of peer-to-peer platforms, which pinpoint matches between those who seek loans with savers who decide to lend.