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Brecha de género en la confianza de productos y servicios financieros desde la perspectiva del comportamiento

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  • Hernández-Rivera, Ariadna

    (Benemérita Universidad Autónoma de Puebla)

Abstract

Esta investigación tiene como objetivo demostrar que la confianza en el uso y acceso de herramientas financierasen hombres y mujeres determina la conducta financiera de los usuarios en México, y marca diferentes tendencias de acuerdo con el género. Se aplica una metodología con enfoque cuantitativo, no experimental y correlacional, proponiendo un modelo econométrico de elección binaria para hombres y mujeres. Se utiliza la Encuesta Nacional de Inclusión Financiera 2021 (ENIF) considerando 12.406 observaciones correspondientes a personas en un rango de edad de 18 a 70 años, para validar la hipótesis de que la confianza modifica el comportamiento de hombres y mujeres con respecto al uso y acceso de herramientas financieras. Los resultados evidencian que, a mayor nivel de desconfianza, la población mexicana presenta un comportamiento que obliga a disminuir la utilización de herramientas ofrecidas por instituciones financieras formales. Se concluye que la confianza de los consumidores ante estos recursos modifica la conducta de hombres y mujeres para su uso.

Suggested Citation

  • Hernández-Rivera, Ariadna, 2023. "Brecha de género en la confianza de productos y servicios financieros desde la perspectiva del comportamiento," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 15(1), pages 245-273, January.
    • Handle: RePEc:col:000443:020966
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    References listed on IDEAS

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    1. Osvaldo García Mata & Ana Luz Zorrilla del Castillo & Arturo Briseño García & Eduardo Arango Herrera, 2021. "Actitud financiera, comportamiento financiero y conocimiento financiero en México," Revista Cuadernos de Economia, Universidad Nacional de Colombia, FCE, CID, vol. 40(83), pages 431-457, August.
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    4. Abdul Basit & Maham Zafar & Xuan Liu & Abdul Rehman Javed & Zunera Jalil & Kashif Kifayat, 2021. "A comprehensive survey of AI-enabled phishing attacks detection techniques," Telecommunication Systems: Modelling, Analysis, Design and Management, Springer, vol. 76(1), pages 139-154, January.
    5. Hermann Hegueu Ndoya & Charly Ondobo Tsala, 2021. "What drive gender gap in financial inclusion? Evidence from Cameroon," African Development Review, African Development Bank, vol. 33(4), pages 674-687, December.
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    More about this item

    Keywords

    brecha de género; productos y servicios financieros; confianza; comportamiento; inclusión financiera;
    All these keywords.

    JEL classification:

    • C50 - Mathematical and Quantitative Methods - - Econometric Modeling - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G41 - Financial Economics - - Behavioral Finance - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making in Financial Markets

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