# Financial literacy and inclusion in Peru

> Live situation record from CLSTR: https://clstr.news/situations/20261019-financial-literacy-and-inclusion-in-peru
> Updated: 2026-10-19T19:00:20.000Z. Sources: 6. Developments: 2.

In Peru, reports highlight a complex landscape regarding financial education and inclusion. Earlier data indicated significant challenges in financial literacy, with a 2022 survey showing that 41% of adults had not reached a minimum level of financial education. 

By 2026, while perceptions of inequality and governance remained high—with 84% of citizens believing the country is governed by a few powerful groups—there was measurable progress in digital finance. The 2026 Financial Inclusion Index reported that Peru’s financial inclusion level rose to 47.7 points, up from 37.9 in 2021. Additionally, approximately 69% of Peruvians now utilize mobile wallets, reflecting a significant shift toward digital financial tools.

## Timeline

### 2026-10-19: Peru reports divergent trends in inequality and financial inclusion

Recent reports in Peru show 84% of citizens perceive governance as controlled by powerful groups, despite a significant rise in financial inclusion driven by mobile wallet usage.

4 sources. https://clstr.news/cluster/peru-reports-divergent-trends-in-inequality-and-financial-inclusion

### 2026-10-14: Financial literacy and investment options in Peru

Financial experts highlight compound interest and low-barrier factoring investments as tools for wealth building in Peru, where financial literacy levels remain low.

2 sources. https://clstr.news/cluster/financial-literacy-and-investment-options-in-peru

---
Cite as: Financial literacy and inclusion in Peru. CLSTR, https://clstr.news/situations/20261019-financial-literacy-and-inclusion-in-peru