<?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>S1665-53462021000500010</article-id>
<article-id pub-id-type="doi">10.21919/remef.v16i0.590</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[FinTech&#8217;s business model in Mexico, a preliminary analysis]]></article-title>
<article-title xml:lang="es"><![CDATA[El modelo de negocio de las Fintech en México, un análisis preliminar]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Díaz-Peña]]></surname>
<given-names><![CDATA[Luz del Carmen]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Tecnológico y de Estudios Superiores de Monterrey  Think Tank Financiero]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2021</year>
</pub-date>
<volume>16</volume>
<numero>spe</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462021000500010&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462021000500010&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462021000500010&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This study analyzes the key success variables in a fintech´s business model. The data was obtained by a questionnaire applied to fifteen Mexican fintech&#8217;s. Preliminary results show that the key success variables, according to a significant correlation with the firm´s growth, are: an efficient use of infrastructure, customer-oriented services, competitive wages and security of information; the more common type of fintech operation is the &#8220;payments and mobile money services&#8221; followed by &#8220;crowdfunding&#8221; and &#8220;investments&#8221;. In Mexico, there is not a formal source that makes easier the knowledge of the industry, so the originality of the study lies on the contribution to a better introductory understanding of how fintech´s operate, including other dimensions like the social and environmental ones which had not been considering before. Its limitation is the number of questioned firms, but future complementary studies could be done. It can be concluded that the technological dimension is the most relevant for the industry.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este estudio analiza las principales variables de éxito en el modelo de negocio de una Fintech. Los datos fueron obtenidos mediante un cuestionario aplicado a quince Fintech mexicanas. Los resultados preliminares muestran que las variables clave de éxito, de acuerdo con una correlación significativa con el crecimiento de la empresa, son: un uso eficiente de la infraestructura, servicios orientados al cliente, salarios competitivos y la seguridad de la información; el tipo de Fintech más común es el de "pagos y servicios de dinero móvil" seguido de "crowdfunding" e "inversiones". En México, no existe una fuente formal que facilite el conocimiento de la industria, por lo que la originalidad de este estudio radica en la contribución a una mejor comprensión introductoria de cómo funcionan las Fintech, incluyendo otras dimensiones como las sociales y ambientales que no se habían considerando antes. Su limitante es el número de empresas interrogadas, pero se podrían hacer futuros estudios complementarios. Se puede concluir que la dimensión tecnológica es la más relevante para la industria.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Fintech]]></kwd>
<kwd lng="en"><![CDATA[success variables]]></kwd>
<kwd lng="en"><![CDATA[business model]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[Mexico]]></kwd>
<kwd lng="es"><![CDATA[Fintech]]></kwd>
<kwd lng="es"><![CDATA[variables de éxito]]></kwd>
<kwd lng="es"><![CDATA[modelo de negocio]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[México]]></kwd>
</kwd-group>
</article-meta>
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