Carlos Marmolejo, CEO and Co-founder of Finsus, argues that the current focus of many digital banking participants is overly consumer-oriented, neglecting the crucial need for credit to support productivity in businesses. He highlighted the alarming delinquency rates in some cases, stressing the importance of a healthy financial sector that prioritizes productive lending over consumer loans. This shift is essential for fostering long-term economic growth and stability.

In an interview before the 89th Banking Convention, Marmolejo noted a significant opportunity in financing small and medium enterprises (SMEs), indicating that nearly five million of these businesses have not received adequate support from the traditional banking system. This lack of attention poses a barrier to their development and, consequently, hampers broader economic progress in Mexico. Marmolejo's views reflect a broader call to action within the financial sector to reassess lending practices and focus on areas that can stimulate economic productivity.

If Finsus's application for a banking license is approved by regulatory authorities, it could mark a pivotal moment for the company as they aim to provide essential financial services to underserved SMEs. This potential change is not only relevant to the success of individual firms but also crucial for the overall economic health of the country, as fostering productive enterprises could lead to significant job creation and innovation within the Mexican economy, steering it towards greater resilience and sustainability.