<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1665-5346</journal-id>
<journal-title><![CDATA[Revista mexicana de economía y finanzas]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. mex. econ. finanz]]></abbrev-journal-title>
<issn>1665-5346</issn>
<publisher>
<publisher-name><![CDATA[Instituto Mexicano de Ejecutivos de Finanzas A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1665-53462023000400001</article-id>
<article-id pub-id-type="doi">10.21919/remef.v18i4.927</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Niveles de competencia y uso de tarjetas de crédito en México. Un enfoque de mercados de dos lados]]></article-title>
<article-title xml:lang="en"><![CDATA[Competition Levels and Credit Cards Use in Mexico. A Two-Sided Markets Approach]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Canales-Medina]]></surname>
<given-names><![CDATA[Rafael]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sempere]]></surname>
<given-names><![CDATA[Jaume]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,El Colegio de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<volume>18</volume>
<numero>4</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462023000400001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462023000400001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462023000400001&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de este artículo es analizar la relación entre el volumen de los pagos con tarjeta de crédito con indicadores de competencia de los dos lados del mercado (emisor y adquirente), además del número de terminales y de tarjetas per cápita. Este es el primer estudio que incorpora indicadores de competencia como posibles determinantes del uso de las tarjetas en la economía mexicana. La metodología usada se basa en un análisis econométrico de series de tiempo. Nuestros resultados indican que el determinante más importante del uso de tarjetas es el número de terminales per cápita, mientras que los niveles de competencia no tienen efectos significativos sobre este uso. La recomendación más importante es que para promover el uso de medios electrónicos, más que otros programas, habría que estimular la instalación de terminales por parte de los bancos. Una forma de hacerlo, por ejemplo, es reduciendo las tasas de intercambio entre bancos. Los datos públicos que analizamos son de tipo macroeconómico y no permiten analizar efectos locales o regionales o de comportamiento individual.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of this article is to analyze the relationship between credit card payments, the concentration indexes from the two sides of the market (issuer and acquirer), and the number of terminals and credit cards per capita. It is the first study that incorporates competition indicators as possible determinants of card use for the Mexican economy. The methodology used is based on a time series analysis. Our results indicate that the most important determinant of card use is the number of terminals per capita. The most important recommendation is that to promote the use of electronic payments the installation of terminals by banks should be encouraged. This would require, for instance, a decrease in the interchange fee. The macroeconomics public data that we use does not allow us to analyze local or regional effects or individual behavior.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[G51]]></kwd>
<kwd lng="es"><![CDATA[L10]]></kwd>
<kwd lng="es"><![CDATA[C22]]></kwd>
<kwd lng="es"><![CDATA[Tarjetas de Crédito]]></kwd>
<kwd lng="es"><![CDATA[Niveles de Concentración]]></kwd>
<kwd lng="es"><![CDATA[Mercados de Dos Lados]]></kwd>
<kwd lng="en"><![CDATA[G51]]></kwd>
<kwd lng="en"><![CDATA[L10]]></kwd>
<kwd lng="en"><![CDATA[C22]]></kwd>
<kwd lng="en"><![CDATA[Credit Cards]]></kwd>
<kwd lng="en"><![CDATA[Concentration Levels]]></kwd>
<kwd lng="en"><![CDATA[Two-Sided Markets]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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