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Factores asociados a la adopción de la banca electrónica en México

Author

Listed:
  • Jose Wilmar Quintero

    (Manuel Aantonio Mejia Baños)

  • Manuel Aantonio Mejia Baños

    (Fundación Universitaria Los Libertadores, Colombia)

Abstract

El presente artículo tiene como objetivo identificar los factores asociados a la adopción de la banca electrónica en México, utilizando la Encuesta de Tecnologías de la Información y Comunicación del INEGI 2019; para lo cual, se utilizó el modelo probabilístico Logit y el modelo supervisado de árboles de decisión. Los resultados de esta investigación pretenden dar insumos para formular políticas públicas y estrategias de inclusión financiera. Entre las limitantes se encuentran los datos perdidos de variables de gran importancia, así como la no disponibilidad de características más específicas de la población. La aportación original es el uso de herramientas de aprendizaje profundo en el análisis de la adopción de banca electrónica para una economía en desarrollo. Se concluyó que: los individuos con mayor nivel educativo, usuarios frecuentes de Internet, de estratos socioeconómicos altos y habitantes de los centros urbanos más poblados, son quienes adoptan fácilmente la banca electrónica.

Suggested Citation

  • Jose Wilmar Quintero & Manuel Aantonio Mejia Baños, 2022. "Factores asociados a la adopción de la banca electrónica en México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 17(2), pages 1-23, Abril - J.
    • Handle: RePEc:imx:journl:v:17:y:2022:i:2:a:3
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/659
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    References listed on IDEAS

    as
    1. Lavalleja, Martín, 2020. "Panorama de las fintech: principales desafíos y oportunidades para el Uruguay," Estudios y Perspectivas – Oficina de la CEPAL en Montevideo 45727, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
    2. Szopiński, Tomasz Stanisław, 2016. "Factors affecting the adoption of online banking in Poland," Journal of Business Research, Elsevier, vol. 69(11), pages 4763-4768.
    3. Gregor Dorfleitner & Lars Hornuf, 2019. "FinTech und Datenschutz," Springer Books, Springer, number 978-3-658-26500-7, September.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    arboles de decisión; banca electrónica; Logit; inclusión financiera;
    All these keywords.

    JEL classification:

    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • P34 - Political Economy and Comparative Economic Systems - - Socialist Institutions and Their Transitions - - - Finance

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