According to data from the Inter-American Development Bank (IDB), Latin America and the Caribbean is a young region, where lThose over 60 years of age represent, on average, 11% of the total population. However, in the coming decades it is expected to experience the highest rate of population aging in the world.
Along these lines, the United Nations Organization calculates that the Global average age will go from 72.8 years in 2019 to a projection of 77.2 by 2050which implies an increase of five years in three decades.
Against this background, analysts highlight that the traditional life in three stages – which consists of learning, working and retiring – is being modified to give way to a life where many people seek to reinvent themselves at work or develop new projects after the age of 50. On the other hand, among the challenges posed by longevity is economic planning, but within this population few can count on the information and enough tools to make a good plan in this sense.
Therefore, to solve this situation, several banking entities began to offer training and tools to help the “silver” population. Among them stands out Banco Comafi, who recently launched Diagui, the artificial intelligence virtual assistant from Diagonal Asociación Civil, which provides content for the new Silver Financial Education module.
As explained by Banco Comafi, the objective of this tool is accompany people over 50 years of age in planning their personal financespromoting more informed and secure economic decisions.
The Silver Financial Education module will have content curated by Banco Comafi. This institution will make available all its expertise in financial education with the aim of offering an accessible learning space for people over 50 years of age, providing clear, reliable information aligned with good practices; along with tools that allow you to make financial decisions with greater confidence.
“Financial education is key so that people can understand how the tools of the financial system work and make informed decisions. Having more preparation and access to clear information not only strengthens people’s autonomy, but also promotes greater financial inclusion. Investing or planning personal finances is not about guessing the future, but about having concrete tools to decide better, organize resources and project for the long term,” says Alejandro Haro, CEO of Comafi Bursátil.
At the same time, Haro recognizes that initiatives like Diagui make it possible to bring this knowledge closer in an accessible way and accompany the “silver” community in a stage where financial planning takes on a particularly relevant role.
“Diagui is an accessible space, available 24/7, that seeks to transform accumulated experience into concrete opportunities and accompany life projects in a close and empathetic way,” details Vanesa Marignan, executive director of Diagonal Asociación Civil.
In relation to technology, the developers clarify that Diagui combines artificial intelligence with content developed by specialists and clear, simple and accessible language. In the financial education module uses OpenAI and a RAG systemwhich builds answers solely from curated and validated information.
Regarding the present and future of this tool, Banco Comafi anticipates that currently more than 2,600 people use Diagui, and that 95% are located in Argentina. “The goal is to reach 10,000 users by the end of this year and 20,000 by 2027,” they say from this banking entity. Looking to the future, they seek to expand their reach to more provinces in our country and expand to other Latin American countries through alliances with organizations and strategic actors that share the mission of accompanying people in this new professional and financial stage.
But Banco Comafi is not the only financial institution that wants to train this key population. Another of them is Banco Santander, which offers free financial education on its website. They have even launched a workshop prevention of scams for seniors and addictions such as online gambling.
The Santander Financial Education Program, which is free to access, combines in-person activities and digital content based on dynamics and interactive resources designed for different audiences, including young people and older adults.
“The proposal promotes the habit of saving, spending planning and the responsible use of financial products and services, while seeking to strengthen financial stability in the face of current problems, promote digital inclusion, protect consumers and prevent fraud,” Santander explains.
Those interested can see the complete training offer from the official website of this bank.
Furthermore, this entity has Santander Open Academy, a global training platform that includes a pfree offer of more than 1000 coursescontent and training scholarships for all ages.
“These initiatives seek to expand access to education, strengthen employability and accompany professional development, through academic and continuing training programs developed in alliance with universities and institutions of international prestige. The proposal combines online and in-person modalities, with flexible alternatives that allow studying from anywhere and adapting course times,” Santander clarifies.
Finally, BBVA comments that they are carrying out an initiative with the Argentine Israelite Mutual Association (AMIA). “Emprender +55 is a free initiative that seeks accompany people over 55 years of age in the development and strengthening of entrepreneurial projectspromoting productive inclusion and continuous learning,” the bank details.
With a virtual modality, this program provides tools to develop businesses and enhance the skills of participants. Its contents include: how to sell online, how to advertise a business and how to put together a business plan. In addition, it has personalized mentoring spaces, aimed at supporting your projects.
The program Undertake +55 It lasts two months and is taught in virtual mode. “The classes are shared by people of the same age who are going through the same experience, so they will also become part of a network of entrepreneurs,” BBVA maintains.
As clarified by the banking entity, this program was designed to impact mainly in three dimensions:
The third edition of “Emprender +55”, which took place in 2025, had the participation of 65 people from all over the country who participated in 10 virtual meetings. Although there is still no start date for the next edition, BBVA anticipates that it will take place during the second half of this year.
