<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1659-4932</journal-id>
<journal-title><![CDATA[Revista Nacional de Administración]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. Nac. Adm.]]></abbrev-journal-title>
<issn>1659-4932</issn>
<publisher>
<publisher-name><![CDATA[Universidad Estatal a Distancia]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1659-49322023000100005</article-id>
<article-id pub-id-type="doi">10.22458/rna.v14i1.4785</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Towards the creation of the regulatory framework for FinTech in Costa Rica Fostering financial inclusion through digital transformation of the financial system]]></article-title>
<article-title xml:lang="es"><![CDATA[Hacia la creación del marco regulatorio para FinTech en Costa Rica Fomentando la inclusión financiera a través de la transformación digital del sistema financiero]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Oconitrillo Rojas]]></surname>
<given-names><![CDATA[Andrea]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Former Head of the Centro de Innovación Financiera (CIF)  ]]></institution>
<addr-line><![CDATA[San José ]]></addr-line>
<country>Costa Rica</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2023</year>
</pub-date>
<volume>14</volume>
<numero>1</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.sa.cr/scielo.php?script=sci_arttext&amp;pid=S1659-49322023000100005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.sa.cr/scielo.php?script=sci_abstract&amp;pid=S1659-49322023000100005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.sa.cr/scielo.php?script=sci_pdf&amp;pid=S1659-49322023000100005&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABTRACT This article will describe the elements of the FinTech roadmap that the Superintendencies, the National Council for Supervision of the Financial System (CONASSIF), and the Central Bank of Costa Rica (BCCR), have been implementing for the design of a regulatory framework for FinTech in the country. Special attention will be given to the recently created ''Centro de Innovación Financiera (CIF)'' and the description of a possible vision for the future. The views and opinions expressed here are those of the author and do not necessarily reflect the official position of any of her associated institutions.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Este artículo describirá los elementos de la hoja de ruta FinTech que las Superintendencias, el Consejo Nacional de Supervisión del Sistema Financiero (CONASSIF), y el Banco Central de Costa Rica (BCCR), han venido implementando para el diseño de un marco regulatorio para FinTech en el país. Se prestará especial atención al recientemente creado "Centro de Innovación Financiera (CIF)" y a la descripción de una posible visión de futuro. Las opiniones y puntos de vista aquí expresados son los de la autora y no reflejan necesariamente la posición oficial de ninguna de sus instituciones asociadas.]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[RÉSUMÉ Cet article décrit les éléments de la feuille de route FinTech que les surintendances, le Conseil national de supervision du système financier (CONASSIF) et la Banque centrale du Costa Rica (BCCR) ont mis en &#339;uvre pour la conception d'un cadre réglementaire pour FinTech dans le pays. Une attention particulière sera accordée au "Centro de Innovación Financiera (CIF)" récemment créé et à la description d'une vision possible pour l'avenir. Les points de vue et opinions exprimés ici sont ceux de l'auteur et ne reflètent pas nécessairement la position officielle des institutions qui lui sont associées.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[RESUMO Este artigo descreverá os elementos do roteiro da FinTech que as Superintendências, o Conselho Nacional de Supervisão do Sistema Financeiro (CONASSIF) e o Banco Central da Costa Rica (BCCR) vêm implementando para a criação de uma estrutura regulatória para a FinTech no país. Será dada atenção especial ao recém-criado "Centro de Innovación Financiera (CIF)" e à descrição de uma possível visão para o futuro. As visões e opiniões expressas aqui são de responsabilidade da autora e não refletem necessariamente a posição oficial de nenhuma de suas instituições associadas.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[FRAMEWORK]]></kwd>
<kwd lng="en"><![CDATA[FINTECH]]></kwd>
<kwd lng="en"><![CDATA[REGULATORY]]></kwd>
<kwd lng="es"><![CDATA[MARCO]]></kwd>
<kwd lng="es"><![CDATA[FINTECH]]></kwd>
<kwd lng="es"><![CDATA[REGULACIÓN]]></kwd>
<kwd lng="fr"><![CDATA[CADRE]]></kwd>
<kwd lng="fr"><![CDATA[FINTECH]]></kwd>
<kwd lng="fr"><![CDATA[RÉGLEMENTATION]]></kwd>
<kwd lng="pt"><![CDATA[ESTRUTURA]]></kwd>
<kwd lng="pt"><![CDATA[FINTECH]]></kwd>
<kwd lng="pt"><![CDATA[REGULAMENTAÇÃO.]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="">
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<year>2023</year>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="">
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<collab>FINNOVISTA</collab>
<source><![CDATA[Fintech en Costa Rica: Hacia una evolución de los servicios financieros]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="">
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<collab>World Bank and World Economic Forum</collab>
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<year>2022</year>
</nlm-citation>
</ref>
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<year>2022</year>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="">
<collab>CFA Institute Research Foundation</collab>
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<year>2017</year>
</nlm-citation>
</ref>
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<nlm-citation citation-type="">
<collab>Financial Stability Board (FSB)</collab>
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<year>2017</year>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="">
<collab>Grupo FinTech of BCCR</collab>
<collab>CONASSIF</collab>
<collab>superintendencies in Costa Rica</collab>
<source><![CDATA[Informe del Grupo FinTech: Estado de situación de la industria FinTech en Costa Rica, acciones y recomendaciones]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ehrentraud]]></surname>
<given-names><![CDATA[Johannes]]></given-names>
</name>
<name>
<surname><![CDATA[Garcia Ocampo]]></surname>
<given-names><![CDATA[Denise]]></given-names>
</name>
<name>
<surname><![CDATA[Garzoni]]></surname>
<given-names><![CDATA[Lorena]]></given-names>
</name>
<name>
<surname><![CDATA[Piccolo]]></surname>
<given-names><![CDATA[Mateo]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Policy responses to fintech: a cross-country overview]]></article-title>
<source><![CDATA[FSI Insights on policy implementation of the Financial Stability Institute (FSI) Bank for International Settlements (BIS)]]></source>
<year></year>
<numero>23</numero>
<issue>23</issue>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="">
<collab>Misión Lunar</collab>
<source><![CDATA[Snapshot del ecosistema FinTech Centroamérica y el Caribe 2023]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<collab>Promotora de Comercio Exterior de Costa Rica (ROCOMER)</collab>
<source><![CDATA[Mapeo de la oferta FinTech en Costa Rica]]></source>
<year>2022</year>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
