<?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>2448-6655</journal-id>
<journal-title><![CDATA[Análisis económico]]></journal-title>
<abbrev-journal-title><![CDATA[Anál. econ.]]></abbrev-journal-title>
<issn>2448-6655</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, Unidad Azcapotzalco, División de Ciencias Sociales y Humanidades]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-66552023000300075</article-id>
<article-id pub-id-type="doi">10.24275/uam/azc/dcsh/ae/2023v38n99/mancillas</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Composición de señales y estrategias del sector bancario para detectar el lavado de dinero]]></article-title>
<article-title xml:lang="en"><![CDATA[Composition of signals and strategies of the banking sector to detect money laundering]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mancillas Palacios]]></surname>
<given-names><![CDATA[Jesús Fernando]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Andrade Rosas]]></surname>
<given-names><![CDATA[Luis Antonio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad La Salle  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad La Salle  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<volume>38</volume>
<numero>99</numero>
<fpage>75</fpage>
<lpage>100</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-66552023000300075&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-66552023000300075&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-66552023000300075&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La prevención de lavado de dinero es un tema que ha tomado importancia en los últimos años en el sector financiero, debido a que dicho sector resulta vulnerable a ser utilizado para perpetrar este delito. En este trabajo, se analiza la mejor decisión por parte de las instituciones de banca múltiple respecto a bloquear o no bloquear las tarjetas de crédito ante posibles escenarios de lavado de dinero por parte de sus tarjetahabientes. Con base en un análisis de información incompleta, se deducen instrumentos para que la institución decida bloquear o no una cuenta que presente operaciones inusuales; con la finalidad de evitar pérdidas financieras y un daño en su reputación por relacionarse con tarjetahabientes que lavan dinero. El factor diferenciador de este trabajo consiste en la construcción de señales mediante vectores de pesos asignados a los factores de lavado de dinero, que pueden servir como indicadores o agravantes ante posibles operaciones inusuales de los tarjetahabientes.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In recent years, the prevention of money laundering has gained importance in the financial sector because this sector is being used to perpetrate this crime. This paper analyzes the best decision by banking institutions regarding the blocking or not of credit cards in the face of possible money laundering scenarios by their cardholders. Based on an analysis of incomplete information, we deduce instruments that help the institution decide to block or not, an account that presents unusual operations; to avoid financial losses and damage to their reputation from being involved with cardholders who launder money. The differentiating factor of this work consists in the construction of signals through vectors of weights assigned to the money laundering factors, which can serve as indicators or aggravating factors in possible unusual operations by cardholders.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Lavado de dinero]]></kwd>
<kwd lng="es"><![CDATA[banca múltiple]]></kwd>
<kwd lng="es"><![CDATA[tarjetas de crédito]]></kwd>
<kwd lng="es"><![CDATA[reputación]]></kwd>
<kwd lng="es"><![CDATA[información incompleta]]></kwd>
<kwd lng="es"><![CDATA[señales]]></kwd>
<kwd lng="en"><![CDATA[Money laundering]]></kwd>
<kwd lng="en"><![CDATA[multiple banking]]></kwd>
<kwd lng="en"><![CDATA[credit cards]]></kwd>
<kwd lng="en"><![CDATA[reputation]]></kwd>
<kwd lng="en"><![CDATA[incomplete information]]></kwd>
<kwd lng="en"><![CDATA[signals]]></kwd>
</kwd-group>
</article-meta>
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