<?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>S1665-53462026000200006</article-id>
<article-id pub-id-type="doi">10.21919/remef.v21i2.1043</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Análisis del impacto de las Fintech en la inclusión financiera, la eficiencia del mercado y la innovación financiera]]></article-title>
<article-title xml:lang="en"><![CDATA[Analysis of the impact of FinTech on financial inclusion, market efficiency, and financial innovation]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Rosero Ordoñez]]></surname>
<given-names><![CDATA[Sandra Lorena]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Externado  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2026</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2026</year>
</pub-date>
<volume>21</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462026000200006&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462026000200006&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462026000200006&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de esta investigación es analizar el efecto de los anuncios de innovación tecnológica en entidades financieras sobre la valoración del mercado de capitales en Colombia entre 2013 y 2023. Se utilizó una metodología cuantitativa basada en el estudio de eventos, que incluyó el cálculo de retornos anormales (AR), retornos anormales acumulados (CAR), pruebas t de significancia y modelos de machine learning para predicción y análisis de sensibilidad. Los resultados muestran que las Empresas Fintech y Aseguradoras Tecnológicas generan impactos bursátiles positivos y estadísticamente significativos, con un CAR promedio de 0.94%, frente al 0.18% de entidades tradicionales. Se recomienda que los actores del sistema financiero identifiquen oportunidades tecnológicas estratégicas que generen valor económico en función de su perfil institucional. Entre las limitaciones se encuentra el enfoque en eventos públicos y datos cuantitativos. La originalidad del estudio radica en integrar técnicas econométricas y de inteligencia artificial para evaluar la innovación financiera en un mercado emergente. Se concluye que la transformación digital contribuye a mejorar la valoración bursátil y puede incidir en el fortalecimiento del acceso a servicios financieros.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of this research is to analyze the effect of technological innovation announcements by financial entities on capital market valuation in Colombia between 2013 and 2023. A quantitative methodology was applied, based on the event study approach, which included the calculation of abnormal returns (AR), cumulative abnormal returns (CAR), t-tests for statistical significance, and machine learning models for prediction and sensitivity analysis. The results show that Fintech Companies and Tech-Driven Insurers generate positive and statistically significant market impacts, with an average CAR of 0.94%, compared to 0.18% for traditional entities. It is recommended that financial system actors identify strategic technological opportunities that create economic value according to their institutional profile. Among the limitations is the focus on public events and quantitative data. The originality of the study lies in integrating econometric techniques and artificial intelligence to evaluate financial innovation in an emerging market. It is concluded that digital transformation enhances market valuation and may contribute to strengthening access to financial services.]]></p></abstract>
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<kwd lng="es"><![CDATA[G28]]></kwd>
<kwd lng="es"><![CDATA[O31]]></kwd>
<kwd lng="es"><![CDATA[Innovación financiera]]></kwd>
<kwd lng="es"><![CDATA[Fintech]]></kwd>
<kwd lng="es"><![CDATA[eventos tecnológicos]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[regulación financiera]]></kwd>
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<kwd lng="en"><![CDATA[G23]]></kwd>
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<kwd lng="en"><![CDATA[financial innovation]]></kwd>
<kwd lng="en"><![CDATA[fintech]]></kwd>
<kwd lng="en"><![CDATA[technological events]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[financial regulation]]></kwd>
</kwd-group>
</article-meta>
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