<?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>0188-3380</journal-id>
<journal-title><![CDATA[Economía: teoría y práctica]]></journal-title>
<abbrev-journal-title><![CDATA[Econ: teor. práct]]></abbrev-journal-title>
<issn>0188-3380</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, a través de la Unidad Iztapalapa, la Unidad Azcapotzalco y la Unidad Xochimilco, División de Ciencias Sociales]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0188-33802021000200171</article-id>
<article-id pub-id-type="doi">10.24275/etypuam/ne/552021/martinez</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Adopción de servicios electrónicos en México: el caso del e-comercio, e-banca y e-gobierno]]></article-title>
<article-title xml:lang="en"><![CDATA[Adoption of Electronic Services in Mexico: the Case of E-banking, E-commerce and E-government]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Martínez-Domínguez]]></surname>
<given-names><![CDATA[Marlen]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Centro de Investigaciones y Estudios Superiores en Antropología Social  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2021</year>
</pub-date>
<numero>55</numero>
<fpage>171</fpage>
<lpage>193</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0188-33802021000200171&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0188-33802021000200171&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0188-33802021000200171&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En este estudio se identifican los factores que determinan en México la decisión de los individuos para usar el comercio en línea, la banca virtual y el gobierno electrónico. Se utilizaron datos de la Encuesta Nacional sobre Disponibilidad de Tecnologías de la Información en Hogares, ENDUTIH (inegi, 2017). El modelo de demanda está sustentado en la teoría neoclásica de maximización de la utilidad y se aplicó el método de dos etapas de Heckman. Los resultados de las estimaciones econométricas reflejan que la edad, el género, el nivel educativo y las habilidades digitales son esenciales para explicar el uso de los tres servicios. Esto sugiere la instrumentación de políticas públicas tendientes a disminuir las brechas entre los diferentes grupos socioeconómicos, con el fin de fomentar el uso de dichos servicios en el ciberespacio.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This study identifies the factors that determine the decision of individuals to use e-commerce, e-banking and e-government in Mexico. Data from the National Survey on Availability of Information Technologies in Households, ENDUTIH (Inegi, 2017) were used. The demand model is supported by the neoclassical theory of utility maximization, and the Heckman two-step method was applied. The results of the econometric estimations reflect that age, gender, education level and digital skills are essential to explain the use of the three services. This suggests implementation of public policies aimed at reducing the gaps between different socioeconomic groups in order to encourage the use of these services in cyberspace.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Brecha digital]]></kwd>
<kwd lng="es"><![CDATA[servicios electrónicos]]></kwd>
<kwd lng="es"><![CDATA[habilidades digitales]]></kwd>
<kwd lng="es"><![CDATA[confianza]]></kwd>
<kwd lng="es"><![CDATA[modelo de selección de Heckman]]></kwd>
<kwd lng="es"><![CDATA[D01]]></kwd>
<kwd lng="es"><![CDATA[D12]]></kwd>
<kwd lng="en"><![CDATA[Digital divide]]></kwd>
<kwd lng="en"><![CDATA[e-services]]></kwd>
<kwd lng="en"><![CDATA[digital skills]]></kwd>
<kwd lng="en"><![CDATA[trust]]></kwd>
<kwd lng="en"><![CDATA[Heckman selection model]]></kwd>
<kwd lng="en"><![CDATA[D01]]></kwd>
<kwd lng="en"><![CDATA[D12]]></kwd>
</kwd-group>
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