<?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>2395-8782</journal-id>
<journal-title><![CDATA[Ciencia ergo sum]]></journal-title>
<abbrev-journal-title><![CDATA[Cienc. ergo-sum]]></abbrev-journal-title>
<issn>2395-8782</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma del Estado de México, Instituto Literario]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2395-87822024000100218</article-id>
<article-id pub-id-type="doi">10.30878/ces.v31n0a3</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Inclusión financiera en América Latina: niveles, caracterización y convergencia internacional]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial inclusion in Latin America: levels, characterization and international convergence]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Baronio]]></surname>
<given-names><![CDATA[Alfredo M.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Buchieri]]></surname>
<given-names><![CDATA[Flavio E.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vianco]]></surname>
<given-names><![CDATA[Ana M.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional de Río Cuarto y Universidad Siglo 21  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional de Villa María y Universidad Siglo 21  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Nacional de Río Cuarto  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Argentina</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2024</year>
</pub-date>
<volume>31</volume>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2395-87822024000100218&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2395-87822024000100218&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2395-87822024000100218&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Se caracteriza el nivel de inclusión financiera en América Latina. La tabla de datos reúne países con sus características financieras y socioeconómicas. El recorrido metodológico, en una primera etapa, integra el análisis exploratorio de componentes principales, la clasificación jerárquica de las observaciones y el agrupamiento de países según la similitud observada; en una segunda etapa, propone un modelo econométrico de respuesta ordenada para informar la probabilidad de convergencia de los grupos de países más rezagados a los más desarrollados en inclusión financiera. Se concluye que la incorporación de segmentos poblacionales no bancarizados exige el desarrollo de estrategias comerciales de los servicios financieros en un contexto donde autoridades regulatorias adquieren un rol más profundo y activo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The level of Financial Inclusion in Latin America is characterized. The data table lists countries with their financial and socioeconomic characteristics. The methodological path, in a first stage, integrates the exploratory analysis of main components, the hierarchical classification of the observations and the grouping of countries according to the observed similarity; in a second stage, it proposes an econometric model of ordered response to inform the probability of convergence of the groups of countries furthest behind to the most developed in financial inclusion. It is concluded that the incorporation of unbanked population segments requires the development of commercial strategies for financial services; in a context where regulatory authorities acquire a deeper and more active role.]]></p></abstract>
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<kwd lng="es"><![CDATA[sistema financiero]]></kwd>
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<kwd lng="es"><![CDATA[bienestar]]></kwd>
<kwd lng="en"><![CDATA[financial system]]></kwd>
<kwd lng="en"><![CDATA[economic growth]]></kwd>
<kwd lng="en"><![CDATA[welfare]]></kwd>
</kwd-group>
</article-meta>
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