Tomás Nougués

Tomás Nougués is Ph.D. in Sociology at Escuela IDAES (EIDAES), Universidad Nacional de San Martín, Argentina (UNSAM). Postdoctoral fellow at UNSAM/CONICET (National Council of Scientific Research), Argentina.

The project

Title: Pushing the boundaries of finance. Digital financial inclusion of welfare-dependent households in Argentina.

"My research project explores how financialization is reshaping welfare provision and impacting the everyday lives of welfare-dependent households in Argentina amid rising social conflict. I focus on the expansion of digital finance as a policy priority, examining how it links welfare recipients to financial markets. My central hypothesis is that, although digital financial inclusion has enhanced access to financial services for low-income households, it has simultaneously deepened their financial vulnerability. Within this framework, digital financial inclusion operates not only as a tool for poverty reduction but also as a vehicle for advancing the interests of the financial sector, ultimately subordinating social protection to financial imperatives."

Hosting institution: CESSMA, Paris Cité University

Selected bibliography

• Nougués, T. (in press). Social debtfare policies. An analysis of the financialization of Argentina’s welfare policy. Latin American Political Economy Series, Palgrave, London/New York.
• Nougués, T. (2025). Social debtfare policies and the rise of the creditor state. The creditization of social policy in Argentina, Socio-Economic Review, 0,0, 1-25.
• Nougués, T. (2024). Los canales de financiarización de la política social. El caso argentino. Cuadernos de Economía Crítica, 10, 24, 109-133.
• Nougués, T. (2023). Del Estado garante al Estado acreedor. Una propuesta analítica para abordar la financiarización de la política social basada en el caso argentino (2015-2019). Ciudadanías. Revista de políticas sociales urbanas, 11, 1-33.
• Nougués, T. (2022). La agenda de la inclusión financiera en las políticas públicas de la alianza Cambiemos (2015-2019). Revista Perspectivas de Políticas Públicas, 11, 272-300.