<?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>2448-718X</journal-id>
<journal-title><![CDATA[El trimestre económico]]></journal-title>
<abbrev-journal-title><![CDATA[El trimestre econ]]></abbrev-journal-title>
<issn>2448-718X</issn>
<publisher>
<publisher-name><![CDATA[Fondo de Cultura Económica]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-718X2024000400925</article-id>
<article-id pub-id-type="doi">10.20430/ete.v91i364.2516</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Del telégrafo a la app: la evolución y el estado actual de los prestadores de remesas desde los Estados Unidos hasta México, ca. 1980-2020]]></article-title>
<article-title xml:lang="en"><![CDATA[From the telegraph to the app: The evolution and current status of remittance providers from the United States to Mexico, ca. 1980-2020]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Bátiz Lazo]]></surname>
<given-names><![CDATA[Bernardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González Correa]]></surname>
<given-names><![CDATA[Ignacio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Northumbria  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>United Kingdom</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de California Departamento de Economía ]]></institution>
<addr-line><![CDATA[Davis ]]></addr-line>
<country>USA</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<volume>91</volume>
<numero>364</numero>
<fpage>925</fpage>
<lpage>970</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-718X2024000400925&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-718X2024000400925&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-718X2024000400925&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo ofrece una primera aproximación a la evolución de la estructura y los participantes en el mercado de remesas del corredor entre los Estados Unidos y México. Identificamos tres diferentes capas en la estructura y especificamos los agentes que involucran a clientes, proveedores de remesas (&#8220;remesadoras&#8221;) y bancos corresponsales para 1980-2024. Mostramos las limitaciones estructurales del mercado y sugerimos cómo la economía digital y la tecnología financiera (fintech) podrían ayudar a reducir el costo medio de los pagos transfronterizos. Los beneficios potenciales de las fintech para el mercado de remesas son especialmente relevantes para México, ya que el país tiene una alta proporción de población no bancarizada. Además, la reducción a 3% de las tarifas de remesas se ha definido como uno de los Objetivos de Desarrollo Sostenible de las Naciones Unidas para 2030. Una comprensión mejor y más profunda de las características de este mercado podría ayudar a lograr tal objetivo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper offers the first approach to the evolution of the structure and the participants in the remittances market of the United States-Mexico corridor. We identify three different layers in the structure and specify the agents that involve clients, remittance providers, and correspondent banks from 1980 to 2020. We show the structural limitations of the market and suggest how the digital economy and financial technology (fintech) could help to reduce the average cost of cross-border payments. The potential benefits from fintech to the remittances market are especially relevant for Mexico since it has a high proportion of unbanked population. Furthermore, the reduction to 3% of the remittance fees has been defined as one of the United Nations&#8217; 2030 Sustainable Development Goals. A better and deeper understanding of the characteristics of this market could help to achieve this goal.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[remesas]]></kwd>
<kwd lng="es"><![CDATA[tecnología financiera]]></kwd>
<kwd lng="es"><![CDATA[fintech]]></kwd>
<kwd lng="es"><![CDATA[pagos transfronterizos]]></kwd>
<kwd lng="es"><![CDATA[México]]></kwd>
<kwd lng="es"><![CDATA[Estados Unidos de América]]></kwd>
<kwd lng="en"><![CDATA[Remittances]]></kwd>
<kwd lng="en"><![CDATA[financial technology]]></kwd>
<kwd lng="en"><![CDATA[fintech]]></kwd>
<kwd lng="en"><![CDATA[cross-border payments]]></kwd>
<kwd lng="en"><![CDATA[Mexico]]></kwd>
<kwd lng="en"><![CDATA[United States of America]]></kwd>
</kwd-group>
</article-meta>
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