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El nivel de acceso tecnológico del sector bancario y su relación con el uso de sus productos en la inclusión financiera en México

Author

Listed:
  • Edgar Jiménez Cerra

    (Universidad Autónoma de Baja California, México)

  • Malena Portal Boza

    (Universidad Autónoma de Baja California, México)

  • Duniesky Feitó Madrigal

    (Universidad Autónoma de Baja California, México)

Abstract

El presente estudio tiene como objetivo evaluar la relación existente entre el nivel de acceso tecnológico del sector bancario y el uso de sus productos como expresión de inclusión financiera en México. La metodología empleada contempla la creación de dos índices sintéticos, el acceso tecnológico y el uso de los productos financieros, mediante la técnica estadística de componentes principales y el análisis de correlación bivariada entre dichos índices. Los resultados concluyen que el nivel de acceso tecnológico del sector bancario tiene una relación creciente y positiva con el incremento del uso de los productos financieros, sin embargo, no lo explica en su totalidad, lo que implica que existen otro grupo de factores a tener en cuenta en cuanto a inclusión financiera. Se recomienda emplear los resultados obtenidos en la toma de decisiones y elaboración de políticas más efectivas para el incremento de los niveles de inclusión financiera en el país, de forma especial en la zona Sur, identificada como la más afectada. De igual manera, aplicar la metodología a nivel municipal para la obtención de resultados más específicos.

Suggested Citation

  • Edgar Jiménez Cerra & Malena Portal Boza & Duniesky Feitó Madrigal, 2024. "El nivel de acceso tecnológico del sector bancario y su relación con el uso de sus productos en la inclusión financiera 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. 19(4), pages 1-19, Octubre -.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:4:a:5
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    File URL: https://www.remef.org.mx/index.php/remef/article/view/1063
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    References listed on IDEAS

    as
    1. Ignacio Esteban Carballo & Facundo Dalle-Nogare, 2019. "Fintech e inclusión financiera: los casos de México, Chile y Perú," Revista CEA, Instituto Tecnológico Metropolitano, vol. 5(10), pages 11-34.
    2. Coronado, Manuel & Santiago, Víctor & García, Roberto & Villegas, Jorge & Alcaraz, Martina, 2019. "Factores De Inclusión Financiera En La Region Sierra Alta Del Estado De Sonora," Revista Mexicana de Agronegocios, Sociedad Mexicana de Administracion Agropecuaria, vol. 44(January-J), June.
    3. Seyha Khek & Phon Sophat & Vety Meng, 2020. "Financial Inclusion: Assessing Innovative Technology's impact on Financial Inclusion and Profitability of Financial Institutions in Cambodia," Working Papers hal-02496410, HAL.
    4. Nathaniel Karp & Boyd Nash-Stacey, 2015. "Technology, Opportunity & Access: Understanding Financial Inclusion in the U.S," Working Papers 1525, BBVA Bank, Economic Research Department.
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    More about this item

    Keywords

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    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
    • G5 - Financial Economics - - Household Finance
    • O2 - Economic Development, Innovation, Technological Change, and Growth - - Development Planning and Policy
    • Z13 - Other Special Topics - - Cultural Economics - - - Economic Sociology; Economic Anthropology; Language; Social and Economic Stratification

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