<?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>S1665-53462024000100006</article-id>
<article-id pub-id-type="doi">10.21919/remef.v19i1.962</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Financial Literacy of Workers in the Tourism Industry in Mexico in 2023: a Structural Equations Approach]]></article-title>
<article-title xml:lang="es"><![CDATA[Educación financiera de los trabajadores de la industria turística en México 2023: un enfoque de ecuaciones estructurales]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[García-Santillán]]></surname>
<given-names><![CDATA[Arturo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Venegas-Martínez]]></surname>
<given-names><![CDATA[Francisco]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mendoza-Rivera]]></surname>
<given-names><![CDATA[Ricardo Jacob]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Tecnológico Nacional de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</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=S1665-53462024000100006&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462024000100006&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462024000100006&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper attempts to examine the level of financial knowledge of workers in the tourism industry in Mexico through the Structural Equations Methodology (SEM). The type of sampling is non-probabilistic by self-determination. A questionnaire is applied to 500 workers, in 2023, from Mexican companies in the tourism sector considering the following 7 issues: investment, savings, credit, insurance, pensions, expenses and budgets. The SEM allows bring to light the financial knowledge that the surveyed workers have about these issues. Based on a factor structure obtained from the confirmatory analysis, which presents good goodness of fit, structural adjustment, and parsimony, the main findings are: 1) in terms of credit, workers give importance to the requirements requested by financial institutions and consider that they are easy to interpret and comply with, 2) in terms of retirement fund accounts, workers feel confident in institutions that manage their retirement savings and are clear about commissions, 3) in terms of savings, workers perceive that bank accounts have been adapted to their needs since banks have become very flexible in terms of requirements for opening and initial amounts with clear and complete account information, 4) in terms of investment, workers hardly acquire bank promissory notes, and 5) regarding life insurance, workers express the ease that exists to contract insurance, although the cost is limited. The results obtained have practical implications for the tourism sector to continue promoting the habit of saving and the use of financial services and products to which the worker can have access, since this financial knowledge translates into more organized employees in their financial affairs.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este trabajo intenta examinar el nivel de conocimiento financiero de los trabajadores de la industria turística en México a través de la Metodología de Ecuaciones Estructurales (SEM). El tipo de muestreo no es probabilístico por autodeterminación. Se aplica un cuestionario a 500 trabajadores, en 2023, de empresas mexicanas del sector turístico considerando los siguientes 7 temas: Inversión, ahorro, crédito, seguros, pensiones, etc. gastos y presupuestos. El SEM permite sacar a la luz el conocimiento financiero que los trabajadores encuestados tienen sobre estos temas. A partir de una estructura factorial obtenida del análisis confirmatorio, que presenta buena bondad de ajuste, ajuste estructural y parsimonía, los principales hallazgos son: 1) en términos de crédito, los trabajadores dan importancia a los requisitos solicitados por las instituciones financieras y consideran que son fáciles de interpretar y cumplir, 2) en términos de cuentas de fondos de jubilación, los trabajadores se sienten confiados en las instituciones que administran sus ahorros de jubilación y tienen claras las comisiones, 3) en términos de ahorro, los trabajadores perciben que las cuentas bancarias se han adaptado a sus necesidades, ya que los bancos se han vuelto muy flexibles en términos de requisitos de apertura y montos iniciales con información clara y completa de la cuenta, 4) en términos de inversión, los trabajadores apenas adquieren pagarés bancarios, y 5) en cuanto al seguro de vida, los trabajadores expresan la facilidad que existe para contratar un seguro, aunque el costo es limitado. Los resultados obtenidos tienen implicaciones prácticas para que el sector turístico continúe promoviendo el hábito de ahorro y el uso de servicios y productos financieros a los que el trabajador pueda tener acceso, ya que este conocimiento financiero se traduce en empleados más organizados en sus asuntos financieros.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[methodology SEM]]></kwd>
<kwd lng="en"><![CDATA[financial literacy]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="es"><![CDATA[metodología SEM]]></kwd>
<kwd lng="es"><![CDATA[alfabetización financiera]]></kwd>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
</kwd-group>
</article-meta>
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