<?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>2007-7467</journal-id>
<journal-title><![CDATA[RIDE. Revista Iberoamericana para la Investigación y el Desarrollo Educativo]]></journal-title>
<abbrev-journal-title><![CDATA[RIDE. Rev. Iberoam. Investig. Desarro. Educ]]></abbrev-journal-title>
<issn>2007-7467</issn>
<publisher>
<publisher-name><![CDATA[Centro de Estudios e Investigaciones para el Desarrollo Docente A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2007-74672025000100157</article-id>
<article-id pub-id-type="doi">10.23913/ride.v15i30.2336</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Factores que influyen en las compras en línea: un análisis centrado en la escolaridad, estrato socioeconómico y pagos digitales]]></article-title>
<article-title xml:lang="en"><![CDATA[Factors influencing online purchases: an analysis focused on education level, socioeconomic status, and digital payments]]></article-title>
<article-title xml:lang="pt"><![CDATA[Fatores que influenciam as compras online: uma análise focada em educação, status socioeconômico e pagamentos digitais]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Merino Romero]]></surname>
<given-names><![CDATA[Adriana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Jiménez García]]></surname>
<given-names><![CDATA[Martha]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Pérez Castillo]]></surname>
<given-names><![CDATA[América Nohemi]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Leal Cedillo]]></surname>
<given-names><![CDATA[María Guadalupe]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></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>México</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<volume>15</volume>
<numero>30</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2007-74672025000100157&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2007-74672025000100157&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2007-74672025000100157&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Debido a la creciente contribución de las compras en línea al Producto Interno Bruto de México, el objetivo fue analizar los factores que influyen en la decisión de compra en línea, considerando los estratos socioeconómicos, la disparidad entre zonas urbanas y rurales de México, la escolaridad y los métodos de pago digitales. Se analizaron datos de 58,540 registros de la Encuesta Nacional sobre Disponibilidad y Uso de Tecnologías de la Información en los Hogares 2022, mediante un análisis de regresión binaria de tipo Logit y Probit. Los resultados confirmaron que las áreas rurales presentan una relación negativa al realizar compras en línea, mientras la zona urbana incrementó esta probabilidad en 2.79%. La escolaridad y el estrato económico mostraron una correlación positiva y la probabilidad de compra aumentó a la par que lo hacen estas variables. Además, PayPal y Mercado Pago fueron los métodos de pago digitales más influyentes, ejerciendo más impacto que los métodos tradicionales, lo que denota una mayor confianza de los compradores en estas herramientas, influyendo con una probabilidad de 24.09% sobre las compras en línea. Se concluye que el estrato socioeconómico alto, las personas que viven en zonas urbanas, los profesionistas y los usuarios que pagaron con PayPal fueron los que más compraron por Internet.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Due to the growing contribution of online shopping to Mexico's Gross Domestic Product, the objective was to analyze the factors influencing the online purchasing decision, considering socioeconomic strata, the disparity between urban and rural areas of Mexico, schooling, and digital payment methods. Data from 58,540 records of the National Survey on Availability and Use of Information Technologies in Households 2022 were analyzed through Logit and Probit binary regression analysis. The results confirmed that rural areas have a negative relationship whit online purchases, while urban areas increased this probability by 2.79%. Schooling and economic stratum showed a positive correlation, and the probability of purchase increased as these variables did. Additionally, PayPal and Mercado Pago were the most influential digital payment methods, exerting more impact than traditional methods, which indicates greater buyer confidence in these tools, influencing online purchases with a probability of 24.09%. It is concluded that the high socioeconomic stratum, people living in urban areas, professionals and users who paid with PayPal were those who purchased the most online.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo Devido à crescente contribuição das compras on-line para o Produto Interno Bruto do México, o objetivo foi analisar os fatores que influenciam a decisão de compra on-line, considerando os estratos socioeconômicos, a disparidade entre áreas urbanas e rurais do México, a escolaridade e os métodos de pagamento digitais. Dados de 58.540 registros da Pesquisa Nacional sobre Disponibilidade e Uso de Tecnologias de Informação em Domicílios 2022 foram analisados &#8203;&#8203;usando uma análise de regressão binária Logit e Probit. Os resultados confirmaram que as áreas rurais têm uma relação negativa na hora de fazer compras online, enquanto as áreas urbanas aumentam essa probabilidade em 2,79%. A escolaridade e o status econômico apresentaram correlação positiva e a probabilidade de compra aumentou de acordo com essas variáveis. Além disso, PayPal e Mercado Pago foram os métodos de pagamento digitais mais influentes, exercendo mais impacto que os métodos tradicionais, o que denota maior confiança dos compradores nessas ferramentas, influenciando as compras online com uma probabilidade de 24,09%. Conclui-se que o estrato socioeconômico alto, pessoas que vivem em áreas urbanas, profissionais e usuários que pagam com PayPal foram os que mais compraram online.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Pagos digitales]]></kwd>
<kwd lng="es"><![CDATA[compras en línea]]></kwd>
<kwd lng="es"><![CDATA[población rural]]></kwd>
<kwd lng="en"><![CDATA[Digital payments]]></kwd>
<kwd lng="en"><![CDATA[online purchases]]></kwd>
<kwd lng="en"><![CDATA[rural population]]></kwd>
<kwd lng="pt"><![CDATA[Pagamentos digitais]]></kwd>
<kwd lng="pt"><![CDATA[compras online]]></kwd>
<kwd lng="pt"><![CDATA[população rural]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Agárdi]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Alt]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Do digital natives use mobile payment differently than digital immigrants? A comparative study between generation X and Z]]></article-title>
<source><![CDATA[Electronic Commerce Research]]></source>
<year>2022</year>
<page-range>1-28</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Allen]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Carbo-Valverde]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Chakravorti]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Rodriguez-Fernandez]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Pinar Ardic]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Assessing incentives to increase digital payment acceptance and usage: A machine learning approach]]></article-title>
<source><![CDATA[PLoS ONE]]></source>
<year>2022</year>
<volume>17</volume>
<numero>11</numero>
<issue>11</issue>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Amoussohoui]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Arouna]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Bavorova]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Verner]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Yergo]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
<name>
<surname><![CDATA[Banout]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Analysis of the factors influencing the adoption of digital extension services: evidence from the RiceAdvice application in Nigeria]]></article-title>
<source><![CDATA[Journal of Agricultural Education and Extension]]></source>
<year>2023</year>
<volume>30</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>387-416</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="">
<collab>Banco de México</collab>
<source><![CDATA[Información sobre CoDi® Cobro Digital]]></source>
<year>2024</year>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="">
<collab>Banco Mundial</collab>
<source><![CDATA[México: panorama general]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="">
<collab>Centro de noticias de la ONU</collab>
<source><![CDATA[Objetivos de desarrollo sostenible]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chamboko]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[On the Role of Gender and Age in the Use of Digital Financial Services in Zimbabwe]]></article-title>
<source><![CDATA[International Journal of Financial Studies]]></source>
<year>2022</year>
<volume>10</volume>
<numero>3</numero>
<issue>3</issue>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chaveesuk]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Khalid]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Chaiyasoonthorn]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Digital payment system innovations: A marketing perspective on intention and actual use in the retail sector]]></article-title>
<source><![CDATA[Innovative Marketing]]></source>
<year>2021</year>
<volume>17</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>109-23</page-range></nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Datta]]></surname>
<given-names><![CDATA[D. B.]]></given-names>
</name>
<name>
<surname><![CDATA[Seal]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[George]]></surname>
<given-names><![CDATA[S. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Roy]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Factors Influencing Women&#8217;s Buying Decisions while Shopping for Lingerie Products Online]]></article-title>
<source><![CDATA[Tekstilec]]></source>
<year>2022</year>
<volume>65</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>4-13</page-range></nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Díaz de León]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[CoDi®: la nueva forma de pagar en México]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Filipetto]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Harraca]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[New valorization logics in the figure of the digital platform. The case of MercadoLibre]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Benvegnu]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Cuppini]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Frappoti]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Milesi]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Pirone]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Platforms have the power&#8230;and people can take it]]></source>
<year>2023</year>
<page-range>26-39</page-range><publisher-name><![CDATA[University of Bologna. Department of the Arts]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gawior]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Polasik]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Lluís Del Olmo]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Credit Card Use, Hedonic Motivations, and Impulse Buying Behavior in Fast Fashion Physical Stores during COVID-19: The Sustainability Paradox]]></article-title>
<source><![CDATA[Sustainability]]></source>
<year>2022</year>
<volume>14</volume>
<numero>7</numero>
<issue>7</issue>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hokkanen]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Hänninen]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Yrjölä]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Saarijärvi]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[From customer to actor value propositions: an analysis of digital transaction platforms]]></article-title>
<source><![CDATA[International Review of Retail, Distribution and Consumer Research]]></source>
<year>2021</year>
<volume>31</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>257-79</page-range></nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="">
<collab>INEGI</collab>
<source><![CDATA[Población rural y urbana]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="">
<collab>INEGI</collab>
<source><![CDATA[Comercio Electrónico]]></source>
<year>2024</year>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Janavi&#269;i&#363;t&#279;]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Liutkevi&#269;ius]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Dabu&#382;inskas]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Morkevi&#269;ius]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Experimental Evaluation of Possible Feature Combinations for the Detection of Fraudulent Online Shops]]></article-title>
<source><![CDATA[Applied Sciences]]></source>
<year>2024</year>
<volume>14</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Karakose]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Assessing the Relationships between Internet Addiction, Depression, COVID-19-Related Fear, Anxiety, and Suspicion among Graduate Students in Educational Administration: A Structural Equation Modeling Analysis]]></article-title>
<source><![CDATA[Sustainability]]></source>
<year>2022</year>
<volume>14</volume>
<numero>9</numero>
<issue>9</issue>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Khando]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Islam]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Gao]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Emerging Technologies of Digital Payments and Associated Challenges: A Systematic Literature Review]]></article-title>
<source><![CDATA[Future Internet]]></source>
<year>2023</year>
<volume>15</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Korobeynikova]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Digital transformation of the retail payment market]]></article-title>
<source><![CDATA[European Proceedings of Social and Behavioural Sciences]]></source>
<year>2021</year>
<page-range>573-81</page-range></nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="">
<collab>Kueski</collab>
<source><![CDATA[Somos Kueski]]></source>
<year>2024</year>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Li]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
<name>
<surname><![CDATA[Chen]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Lu]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Failler]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[How does digital payment affect international trade? Research based on the social network analysis method]]></article-title>
<source><![CDATA[Electronic Research Archive]]></source>
<year>2024</year>
<volume>32</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>1406-24</page-range></nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lu]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Zhou]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Wang]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Zhang]]></surname>
<given-names><![CDATA[Q.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Dominant Design of Disruptive Innovations in the 3rd-Party Online Payment in China]]></article-title>
<source><![CDATA[Wireless Communications and Mobile Computing]]></source>
<year>2021</year>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Maheswari]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Sahila]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[An anlysis of upcomming trends of online marketing in Chennai City]]></article-title>
<source><![CDATA[Journal of Pharmaceutical Negative Results]]></source>
<year>2022</year>
<page-range>880-6</page-range></nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nikma]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Setiawan]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Ninnasi]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Ratna]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Digital Payment System Analysis of Buying Decision in Indonesia]]></article-title>
<source><![CDATA[Kemal Farouq MAULADI / Journal of Asian Finance]]></source>
<year>2020</year>
<volume>7</volume>
<numero>10</numero>
<issue>10</issue>
<page-range>323-8</page-range></nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pang]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Connecting mobile social media with psychosocial well-being: Understanding relationship between WeChat involvement, network characteristics, online capital and life satisfaction]]></article-title>
<source><![CDATA[Social Networks]]></source>
<year>2022</year>
<volume>68</volume>
<page-range>256-63</page-range></nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="book">
<collab>PayPal</collab>
<source><![CDATA[Cómo funciona PayPal]]></source>
<year>2024</year>
<publisher-name><![CDATA[PayPal]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Raghavendra]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Veeresha]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Analysing the market for digital payments in India using the predator-prey model]]></article-title>
<source><![CDATA[International Journal of Optimization and Control: Theories and Applications]]></source>
<year>2023</year>
<volume>13</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>104-15</page-range></nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sam]]></surname>
<given-names><![CDATA[J. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Ray]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Chakraborty]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Digital Payments on the Agenda: How Supply-side Actors Framed Cash and Digital Payments during the COVID-19 Pandemic in India]]></article-title>
<source><![CDATA[Asian Studies Review]]></source>
<year>2023</year>
<volume>47</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>336-54</page-range></nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sandoval]]></surname>
<given-names><![CDATA[J. R. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Ballesteros]]></surname>
<given-names><![CDATA[L. A. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Esquivel]]></surname>
<given-names><![CDATA[F. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Perspectivas del desarrollo social y rural en México]]></article-title>
<source><![CDATA[Revista de Ciencias Sociales]]></source>
<year>2020</year>
<volume>26</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>45-55</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Segura]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[No es una brecha. Desigualdades digitales y sociales en Argentina]]></article-title>
<source><![CDATA[Revista Eptic]]></source>
<year>2021</year>
<volume>23</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>191-208</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Simatele]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Mbedzi]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Consumer payment choices, costs, and risks: Evidence from Zimbabwe]]></article-title>
<source><![CDATA[Cogent Economics and Finance]]></source>
<year>2021</year>
<volume>9</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Soloaga]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Plassot]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Reyes]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Lo rural y lo urbano en México: una nueva caracterización a partir de estadísticas nacionales]]></source>
<year>2022</year>
<publisher-name><![CDATA[Comisión Económica para América Latina y el Caribe]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Srouji]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Torre]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Global Pandemic, Laboratory of the Cashless Economy]]></article-title>
<source><![CDATA[International Journal of Financial Studies]]></source>
<year>2022</year>
<volume>10</volume>
<numero>4</numero>
<issue>4</issue>
</nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Suárez]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Suarez Quezada]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Oros Ruiz]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Ronquillo De Jesús]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Epidemiology of COVID-19 in Mexico: from the 27th of February to the 30th of April 2020]]></article-title>
<source><![CDATA[Revista Clínica Española]]></source>
<year>2020</year>
<volume>220</volume>
<numero>8</numero>
<issue>8</issue>
<page-range>463-71</page-range></nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tang]]></surname>
<given-names><![CDATA[Y. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Chau]]></surname>
<given-names><![CDATA[K. Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Hong]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Ip]]></surname>
<given-names><![CDATA[Y. K.]]></given-names>
</name>
<name>
<surname><![CDATA[Yan]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial innovation in digital payment with wechat towards electronic business success]]></article-title>
<source><![CDATA[Journal of Theoretical and Applied Electronic Commerce Research]]></source>
<year>2021</year>
<volume>16</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>1844-61</page-range></nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Wu]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Wang]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Yao]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Mechanistic Study of the Impact of Digital Payments on Rural Household Development Resilience]]></article-title>
<source><![CDATA[Sustainability]]></source>
<year>2023</year>
<volume>15</volume>
<numero>14</numero>
<issue>14</issue>
</nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zazdravnykh]]></surname>
<given-names><![CDATA[A. V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Vertical restraints in global digital markets]]></article-title>
<source><![CDATA[World Economy and International Relations]]></source>
<year>2022</year>
<volume>66</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>23-31</page-range></nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zhou]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Sustainable Economic Development, Digital Payment, and Consumer Demand: Evidence from China]]></article-title>
<source><![CDATA[International Journal of Environmental Research and Public Health]]></source>
<year>2022</year>
<volume>19</volume>
<numero>14</numero>
<issue>14</issue>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
