Solo el 2% de adultos mayores de 75 años accede a tarjeta de crédito en Perú

Shifts economic power toward Generation X (50-59 years) who control 41% of 50+ demographic and have highest credit access (44%). Aging population growth (3.61% vs 1.57% national rate) will reshape consumer markets and financial services demand in Peru, potentially favoring institutions adapting to elderly needs.

Similar to Japan's 1990s-2000s demographic transition where aging populations required financial sector restructuring and created new market opportunities for age-appropriate financial products.

Elderly consumers (75+) face severe credit access barriers despite demonstrating superior repayment discipline. This limits their purchasing power, financial flexibility, and ability to manage healthcare/emergency expenses. The underserved 20% of the 50+ population (9.9M people) represents untapped consumer demand and credit-worthy borrowers.

Regulators should address age-based discrimination in credit access and consider: (1) mandatory financial inclusion targets for elderly populations, (2) simplified credit approval processes for low-risk seniors, (3) digital banking accessibility standards, (4) consumer protection regulations for vulnerable age groups. The article references pending legislation allowing municipal savings banks to issue credit cards, suggesting policy recognition of this gap.