<?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>1665-5346</journal-id>
<journal-title><![CDATA[Revista mexicana de economía y finanzas]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. mex. econ. finanz]]></abbrev-journal-title>
<issn>1665-5346</issn>
<publisher>
<publisher-name><![CDATA[Instituto Mexicano de Ejecutivos de Finanzas A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1665-53462024000100002</article-id>
<article-id pub-id-type="doi">10.21919/remef.v19i1.957</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Order Creates Value: Personality, Attitudinal and Behavioral Factors of Financial Vulnerability]]></article-title>
<article-title xml:lang="es"><![CDATA[El orden crea valor: Factores de personalidad, actitud y comportamiento de la vulnerabilidad financiera]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Németh]]></surname>
<given-names><![CDATA[Erzsébet]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Deák-Zsótér]]></surname>
<given-names><![CDATA[Boglárka]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Géza Kálmán]]></surname>
<given-names><![CDATA[Botond]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Budapest Metropolitan University  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Hungary</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Corvinus University of Budapest  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Hungary</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2024</year>
</pub-date>
<volume>19</volume>
<numero>1</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462024000100002&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462024000100002&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462024000100002&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In our research, we aim to become acquainted with the attitudes and financial behaviours of financially fragile social groups. Based on an online questionnaire survey (N=22933 adult), we formed groups by cluster analysis and compared them to each other. We examined the groups with multivariable statistical methods, underscoring the characteristics relating to financial vulnerability. Beside we developed the metric for financial fragility. The results draw attention that financial fragility has multiple, complex, interrelated reasons. In terms of financial personality, attitude, and behaviour, they reached the highest average point in case of distinctly adverse claims, while the lowest at beneficial claims. Our results demonstrate that even if the financially vulnerable cluster accounts for 9%, the group of 'money pits' and the 'passive' show several such attitudes and behavioural patterns that could lead to financial fragility in the future. The cumulative ratio of these groups amounts to 32%. Financially vulnerable people do not take good care of either their finances or their household, they can't plan or prolong their wishes, and they judge their situation incurable, which is coupled with anxiety.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En nuestra investigación, nuestro objetivo es conocer las actitudes y comportamientos financieros de los grupos sociales económicamente frágiles. Con base en una encuesta de cuestionario en línea (N = 22933 adultos), formamos grupos mediante análisis de conglomerados y los comparamos entre sí. Examinamos los grupos con métodos estadísticos multivariables, destacando las características relacionadas con la vulnerabilidad financiera. Además, desarrollamos la métrica de fragilidad financiera. Los resultados llaman la atención sobre el hecho de que la fragilidad financiera tiene múltiples razones complejas e interrelacionadas. En términos de personalidad financiera, actitud y comportamiento, alcanzaron el punto promedio más alto en el caso de reclamos claramente adversos, mientras que el más bajo en reclamos benéficos. Nuestros resultados demuestran que, incluso si el grupo financieramente vulnerable representa el 9 %, el grupo de los 'pozos de dinero' y los 'pasivos' muestran varias actitudes y patrones de comportamiento que podrían conducir a la fragilidad financiera en el futuro. La proporción acumulada de estos grupos asciende al 32%. Las personas económicamente vulnerables no cuidan bien ni sus finanzas ni su hogar, no pueden planificar ni prolongar sus deseos, y juzgan incurable su situación, a lo que se suma la ansiedad.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[financial culture]]></kwd>
<kwd lng="en"><![CDATA[financial fragility]]></kwd>
<kwd lng="en"><![CDATA[financial personality]]></kwd>
<kwd lng="en"><![CDATA[financial attitude]]></kwd>
<kwd lng="en"><![CDATA[financial behaviour]]></kwd>
<kwd lng="es"><![CDATA[cultura financiera]]></kwd>
<kwd lng="es"><![CDATA[fragilidad financiera]]></kwd>
<kwd lng="es"><![CDATA[personalidad financiera]]></kwd>
<kwd lng="es"><![CDATA[actitud financiera]]></kwd>
<kwd lng="es"><![CDATA[comportamiento financiero]]></kwd>
</kwd-group>
</article-meta>
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