<?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>S1665-53462022000300106</article-id>
<article-id pub-id-type="doi">10.21919/remef.v17i3.555</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El uso de productos financieros en la demanda de seguros en México]]></article-title>
<article-title xml:lang="en"><![CDATA[Income, social interaction and the use of financial products on insurance demand in Mexico]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ibarra López]]></surname>
<given-names><![CDATA[Ignacio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Tapia Cortés]]></surname>
<given-names><![CDATA[Juan Antonio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Tecnológico de Monterrey Escuela de Ciencias Sociales y Gobierno Departamento de Economía]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Tecnológico de Monterrey Escuela de Ciencias Sociales y Gobierno Departamento de Economía]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2022</year>
</pub-date>
<volume>17</volume>
<numero>3</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462022000300106&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462022000300106&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462022000300106&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En el siguiente trabajo se utilizan datos de la ENIGH (2010, 2012, 2014, 2016 ) para conocer cuáles son los principales factores que inciden en la tenencia de un seguro. Se busca probar si existe al menos un seguro en un hogar de México, en función de aspectos conductuales tales como interacción social, las experiencias personales (e.g. haber enfrentado un accidente), así como del uso de productos y servicios financieros. En relación a la originalidad, se aborda la tenencia de seguros mediante un enfoque mixto, que combina planteamientos de tradicionales y de la economía del comportamiento. Adicionalmente, se promueve el uso de microdatos para enteder la decisiones de aseguramiento a nivel hogar. La principal conclusión es que la inclusión financiera puede llevar al desarrollo de heurísticas en las personas que facilitan la tenencia de seguros en México.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In the following work, data from the ENIGH (2010, 2012, 2014, 2016) and a Probit model are used to find out which are the main factors related with insurance. The aim is to test whether insurance ownership in Mexico depends on behavioral aspects such as social interaction, personal experiences (e.g. having faced an accident), as well as the use of financial products and services. Regarding originality, insurance ownership is approached through a mixed approach, which combines traditional and behavioral economics variables. Additionally, the use of microdata is promoted to understand insurance decisions at the household level. The main conclusion is that financial inclusion can lead to the development of heuristics in people who facilitate the ownership of insurance in Mexico.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[seguros]]></kwd>
<kwd lng="es"><![CDATA[heurística]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[riesgos]]></kwd>
<kwd lng="es"><![CDATA[productos financieros]]></kwd>
<kwd lng="es"><![CDATA[G22]]></kwd>
<kwd lng="es"><![CDATA[G52]]></kwd>
<kwd lng="es"><![CDATA[I13]]></kwd>
<kwd lng="es"><![CDATA[O10]]></kwd>
<kwd lng="es"><![CDATA[D19]]></kwd>
<kwd lng="en"><![CDATA[insurance]]></kwd>
<kwd lng="en"><![CDATA[heuristic]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[risks]]></kwd>
<kwd lng="en"><![CDATA[financial products]]></kwd>
<kwd lng="en"><![CDATA[G22]]></kwd>
<kwd lng="en"><![CDATA[G52]]></kwd>
<kwd lng="en"><![CDATA[I13]]></kwd>
<kwd lng="en"><![CDATA[O10]]></kwd>
<kwd lng="en"><![CDATA[D19]]></kwd>
</kwd-group>
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