<?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>2594-0163</journal-id>
<journal-title><![CDATA[Mercados y negocios]]></journal-title>
<abbrev-journal-title><![CDATA[Merc. negocios]]></abbrev-journal-title>
<issn>2594-0163</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Guadalajara, Centro Universitario de Ciencias Económico Administrativas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2594-01632022000300025</article-id>
<article-id pub-id-type="doi">10.32870/myn.vi47.7680</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Banking innovations and their effect on profitability]]></article-title>
<article-title xml:lang="es"><![CDATA[Innovaciones de la banca y su efecto en la rentabilidad]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Magallón González]]></surname>
<given-names><![CDATA[Heber Bernardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Galeana Figueroa]]></surname>
<given-names><![CDATA[Evaristo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Prado-Roman]]></surname>
<given-names><![CDATA[Camilo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Michoacana de San Nicolás de Hidalgo  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Michoacana de San Nicolás de Hidalgo  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Rey Juan Carlos  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Spain</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2022</year>
</pub-date>
<volume>23</volume>
<numero>47</numero>
<fpage>25</fpage>
<lpage>56</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2594-01632022000300025&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2594-01632022000300025&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2594-01632022000300025&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT This research seeks to answer these questions by analyzing multiple empirical articles carried out at different times, in different countries, and with various innovations. The research is divided into three sections: first, it presents a chronology of the evolution of banks, their main innovations, and events that have modified the banking business model to adapt it to banking today. The second is based on bibliometric tools to present the primary references of the articles that analyze the relationship between innovation and bank profitability and its conceptual structure. Finally, the third section analyzes the concept of branchless banking and its factors. Three findings stand out: 1) according to the empirical literature consulted, it is concluded that innovation does affect profitability, 2) publications have grown in recent years, with China being the most productive country and the United States the most influential, and 3) The concept of branchless banking is a viable alternative to measure innovation in the Mexican banking sector.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN La presente investigación busca contestar estás interrogantes mediante el análisis de múltiples artículos empíricos realizados en diferentes tiempos, distintos países y con diversas innovaciones. La investigación se divide en tres apartados: primero presenta una cronología de la evolución de los bancos, sus principales innovaciones y sucesos que han modificado el modelo de negocios de la banca hasta adaptarla a la banca en la actualidad. El segundo, se apoya en las herramientas de la bibliometría para presentar los principales referentes de los artículos que analizan la relación entre la innovación y la rentabilidad bancaria y su estructura conceptual. El tercer apartado analiza el concepto de banca sin sucursales y los factores que lo componen. Se destacan tres hallazgos: 1) de acuerdo con la literatura empírica consultada se concluye que la innovación si tiene efecto en la rentabilidad, 2) crece las publicaciones en años recientes, siendo China el país más productivo y Estados Unidos el más influyente, 3) el concepto de la banca sin sucursales es una alternativa viable para medir la innovación en la banca mexicana.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Innovation]]></kwd>
<kwd lng="en"><![CDATA[Profitability]]></kwd>
<kwd lng="en"><![CDATA[Branchless banking]]></kwd>
<kwd lng="en"><![CDATA[Adoption]]></kwd>
<kwd lng="es"><![CDATA[Innovación]]></kwd>
<kwd lng="es"><![CDATA[Rentabilidad]]></kwd>
<kwd lng="es"><![CDATA[Banca sin sucursales]]></kwd>
<kwd lng="es"><![CDATA[Adopción]]></kwd>
<kwd lng="es"><![CDATA[O330]]></kwd>
</kwd-group>
</article-meta>
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