DIREITOS HUMANOS NA EUROPA PARA UMA ECONOMIA DIGITAL
O DIREITO À INCLUSÃO FINANCEIRA?
Palavras-chave:
Economia digital; inclusão financeira; direitos humanos.Resumo
Na nova economia digital, a tecnologia deveria promover o acesso a finanças acessíveis, no entanto, está sendo utilizada tanto para excluir quanto para incluir, criando um desafio urgente para os reguladores. Este artigo explora o papel do discurso de direitos humanos nos debates emergentes sobre inclusão financeira digital, com foco em duas questões: primeiro, como os recentes desenvolvimentos tecnológicos, legais e quase legais estão impactando a inclusão financeira? E, segundo, os atuais frameworks de direitos humanos podem apoiar um direito à inclusão financeira? O artigo começa examinando o impacto das novas tecnologias na inclusão financeira. Em seguida, discute como desenvolvimentos recentes - especialmente os Objetivos de Desenvolvimento Sustentável da ONU e o EU AI Act – estão reacendendo discussões essenciais sobre inclusão financeira. Em seguida, considera se a inclusão financeira é um direito humano, analisando frameworks internacionais e europeus de direitos humanos. Finalmente, conclui que, embora um direito à inclusão financeira ainda não possa ser reconhecido, a UE – com o legado de sua origem como uma união primariamente econômica – poderia ser um incubador natural para tal direito.
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