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In the last fifteen years, financial systems in the Americas have experienced substantial regulatory and institutional changes as a result of periods of crisis. These changes reflect financial sector authorities and regulators´ search for sustained economic growth in the region, under stable financial conditions and having removed barriers for the adequate provision of financial services. In this regard, the provision of financial services has become a priority in various countries in the region, a fact highlighted by a growing number of jurisdictions introducing reforms and commitments to improve the access and use of financial services for a wider population.
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