Lauro Gonzalez

Lauro Gonzalez is a professor at FGV EAESP and Director of the Center for Microfinance and Financial Inclusion Studies (FGVcemif). He has been a visiting professor at Columbia University, Université Paris-Dauphine and Sciences Po Lyon. His main research areas include microfinance, financial inclusion and social policies. He has led research projects funded by organizations including the Gates Foundation, JPMorgan Chase Foundation, CGAP (World Bank) and others, and his work has been published in peer-reviewed journals such as Public Administration Review, Sustainability Science, and The European Journal of Development Research.

Regulation, Banking, Fintech

Financial inclusion in Brazil: From unbanked to over-indebted?

Building out a public digital payment system helped connect Brazil's poor to financial services. That’s been mostly a good thing, but more needs to be done to deal with the debt downsides.

Lauro Gonzalez
February 19, 2026