<?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>2683-2690</journal-id>
<journal-title><![CDATA[The Anáhuac journal]]></journal-title>
<abbrev-journal-title><![CDATA[The Anáhuac j.]]></abbrev-journal-title>
<issn>2683-2690</issn>
<publisher>
<publisher-name><![CDATA[Universidad Anáhuac del Sur S.C., Facultad de Economía y Negocios]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2683-26902024000200204</article-id>
<article-id pub-id-type="doi">10.36105/theanahuacjour.2024v24n2.2389</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Las criptomonedas como catalizadores de la inclusión financiera en América Latina]]></article-title>
<article-title xml:lang="en"><![CDATA[Cryptocurrencies as Catalysts for Financial Inclusion in Latin America]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Crisóstomo Zúñiga]]></surname>
<given-names><![CDATA[Rodrigo Andrés]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Núñez Morales]]></surname>
<given-names><![CDATA[Juan Pablo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Nunez]]></surname>
<given-names><![CDATA[Nicolas A.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Católica, Silva Henríquez Facultad de Ingeniería y Empresa ]]></institution>
<addr-line><![CDATA[Santiago ]]></addr-line>
<country>Chile</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad San Sebastián Facultad de Economía y Gobierno ]]></institution>
<addr-line><![CDATA[Santiago ]]></addr-line>
<country>Chile</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Pontificia Universidad Católica del Perú  ]]></institution>
<addr-line><![CDATA[Lima ]]></addr-line>
<country>Peru</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<volume>24</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2683-26902024000200204&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2683-26902024000200204&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2683-26902024000200204&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La inclusión financiera es un desafío significativo en América Latina, por lo que resulta relevante proponer nuevos enfoques y modelos de negocio que ayuden a cerrar la brecha de acceso a servicios financieros para los segmentos menos atendidos. En esta línea, evaluamos la intención de uso de una plataforma para comprar criptomonedas como activo de inversión, para personas que invierten en instrumentos alternativos como estos, en donde el elemento innovador constituye que las criptos pueden darse en préstamo a personas vulnerables con tasas convenientes para ambas partes. De esta forma, con base en el modelo de la teoría unificada de aceptación y uso de tecnología o UTAUT de adopción tecnológica, los resultados muestran que la influencia social y la confianza son las variables que explican en mayor medida la intención de su uso. Los hallazgos de este estudio generan nueva evidencia para el desarrollo de modelos de negocio innovadores, así como una contribución pertinente para la política pública en relación con el desarrollo del ecosistema fintech en América Latina.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Financial inclusion is a significant challenge in Latin America, so it is relevant to propose new approaches and business models that help close the gap in access to financial services for underserved segments. In this line, we evaluate the intended use of a platform to buy cryptocurrencies as an investment asset for people who invest in alternative instruments such as these, where the innovative element constitutes that cryptos can be given on loan to vulnerable people with convenient rates for both parties. Thus, based on the Unified Technology Acceptance and Use Theory (UTAUT) model of technology adoption, the results show that social influence and trust are the variables that explain, to a greater extent, the intention to use them. The findings of this study generate new evidence for the development of innovative business models, as well as a relevant contribution to public policy concerning the development of the fintech ecosystem in Latin America.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[adopción tecnológica]]></kwd>
<kwd lng="es"><![CDATA[criptomonedas]]></kwd>
<kwd lng="es"><![CDATA[inversión]]></kwd>
<kwd lng="es"><![CDATA[fintech]]></kwd>
<kwd lng="es"><![CDATA[G11]]></kwd>
<kwd lng="es"><![CDATA[O16]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[technology adoption]]></kwd>
<kwd lng="en"><![CDATA[cryptocurrencies]]></kwd>
<kwd lng="en"><![CDATA[investment]]></kwd>
<kwd lng="en"><![CDATA[fintech]]></kwd>
<kwd lng="en"><![CDATA[G11]]></kwd>
<kwd lng="en"><![CDATA[O16]]></kwd>
</kwd-group>
</article-meta>
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