<?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>0301-7036</journal-id>
<journal-title><![CDATA[Problemas del desarrollo]]></journal-title>
<abbrev-journal-title><![CDATA[Prob. Des]]></abbrev-journal-title>
<issn>0301-7036</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional Autónoma de México, Instituto de Investigaciones Económicas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0301-70362025000200109</article-id>
<article-id pub-id-type="doi">10.22201/iiec.20078951e.2025.221.70234</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Determinantes del nivel de inclusión financiera en México: un análisis con redes neuronales]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinants of the level of financial inclusion in Mexico: an analysis using neural networks]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Díaz Rodríguez]]></surname>
<given-names><![CDATA[Héctor Eduardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sosa Castro]]></surname>
<given-names><![CDATA[Miriam]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cabello Rosales]]></surname>
<given-names><![CDATA[María Alejandra]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma Metropolitana  ]]></institution>
<addr-line><![CDATA[Iztapalapa ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional Autónoma de México Facultad de Química ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</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>56</volume>
<numero>221</numero>
<fpage>109</fpage>
<lpage>135</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S0301-70362025000200109&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S0301-70362025000200109&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S0301-70362025000200109&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen. El presente artículo analiza los determinantes socioeconómicos y demográficos de la inclusión financiera en México. Empleando microdatos de la Encuesta Nacional de Inclusión Financiera (ENIF) 2021 se construye un índice de inclusión financiera, considerando los siguientes productos: tarjeta de crédito, cuenta de ahorro, fondo de inversión, crédito hipotecario, seguro y fondo de pensiones. Se estimaron los principales determinantes socioeconómicos y demográficos del nivel de inclusión por niveles de ingreso mediante el uso de redes neuronales artificiales. La evidencia indica que el nivel de inclusión financiera está en función del nivel de ingreso, la escolaridad y la ocupación.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract. This article analyzes the socio-economic and demographic determinants of financial inclusion in Mexico. Using microdata from the 2021 National Survey of Financial Inclusion (ENIF, for its acronym in Spanish), a financial inclusion index is created that includes the following products: credit card, savings account, investment fund, mortgage loan, insurance and pension fund. The main socio-economic and demographic determinants of the level of inclusion by income levels were estimated using artificial neural networks. The evidence indicates that the level of financial inclusion is based on level of income, level of education and occupation.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[factores de inclusión]]></kwd>
<kwd lng="es"><![CDATA[redes neuronales artificiales]]></kwd>
<kwd lng="es"><![CDATA[G51]]></kwd>
<kwd lng="es"><![CDATA[G20]]></kwd>
<kwd lng="es"><![CDATA[I24.]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[inclusion factors]]></kwd>
<kwd lng="en"><![CDATA[artificial neural networks]]></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[Allen]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Carletti]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Cull]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Qian]]></surname>
<given-names><![CDATA[J. Q.]]></given-names>
</name>
<name>
<surname><![CDATA[Senbet]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Valenzuela]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The African financial development and financial inclusion gaps]]></article-title>
<source><![CDATA[Journal of African Economies]]></source>
<year>2014</year>
<volume>23</volume>
<numero>5</numero>
<issue>5</issue>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Andersen]]></surname>
<given-names><![CDATA[L. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Medinaceli]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Gonzales]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Anker]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Anker]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Living wage update report: Michoacan, Mexico, 2022]]></source>
<year>2022</year>
<publisher-name><![CDATA[Universidad Privada Boliviana]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Balliester Reis]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Socio-economic determinants of financial inclusion: an devaluation with a microdata multidimensional index]]></article-title>
<source><![CDATA[Journal of International Development]]></source>
<year>2022</year>
<volume>34</volume>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="book">
<collab>Banco Mundial</collab>
<source><![CDATA[Global Findex. Measuring financial inclusion and the Fintech revolution]]></source>
<year>2017</year>
<publisher-name><![CDATA[Banco Mundial]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="book">
<collab>Banco Mundial</collab>
<source><![CDATA[Inclusión financiera. Panorama general]]></source>
<year>2022</year>
<publisher-loc><![CDATA[Washington, D.C. ]]></publisher-loc>
<publisher-name><![CDATA[Banco Mundial]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="book">
<collab>Banco Mundial</collab>
<source><![CDATA[Expandiendo la inclusión financiera de las mujeres en México: lineamientos para la adopción de una perspectiva de género en las instituciones del sector financiero]]></source>
<year>2024</year>
<publisher-name><![CDATA[Banco Mundial]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bhatia]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Singh]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Empowering women through financial inclusion: a study of urban slum]]></article-title>
<source><![CDATA[Vikalpa]]></source>
<year>2019</year>
<volume>44</volume>
<numero>4</numero>
<issue>4</issue>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bishop]]></surname>
<given-names><![CDATA[C. M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Pattern recognition and machine learning]]></source>
<year>2006</year>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Céspedes T.]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Cossio M.]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Calle S.]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Inclusión financiera y pobreza en Bolivia]]></article-title>
<source><![CDATA[Revista de Análisis del Banco Central de Bolivia]]></source>
<year>2018</year>
<volume>29</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Coleman]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The impact of group lending in Northeast Thailand]]></article-title>
<source><![CDATA[Journal of Development Economics]]></source>
<year>2010</year>
<volume>91</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Collins]]></surname>
<given-names><![CDATA[J. M.]]></given-names>
</name>
</person-group>
<source><![CDATA[Education levels and mortgage application outcomes: evidence of financial literacy]]></source>
<year>2009</year>
<publisher-name><![CDATA[University of Wisconsin-Madison, Institute for Research on Poverty]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Correa]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Girón]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial inclusion and financialization: Latin American main trends after the great crisis]]></article-title>
<source><![CDATA[Journal of Economic Issues]]></source>
<year>2019</year>
<volume>53</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Deaton]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Franco Modigliani and the life cycle theory of consumption]]></source>
<year>2005</year>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demir]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Pesqué-Cela]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Altunbas]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Murinde]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Fintech, financial inclusion and income inequality: A quantile regression approach]]></article-title>
<source><![CDATA[The European Journal of Finance]]></source>
<year>2022</year>
<volume>28</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demirguc-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Klapper]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring financial inclusion: The Global Findex Database]]></article-title>
<source><![CDATA[The World Bank Policy Research Working Paper Serie]]></source>
<year>2013</year>
<numero>6025</numero>
<issue>6025</issue>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Demirgüç-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Klapper]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Singer]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Ansar]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Hess]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Global Findex Database 2017: Measuring financial inclusion and opportunities to expand access to and use of financial services]]></article-title>
<source><![CDATA[The World Bank Economic Review]]></source>
<year>2020</year>
<volume>34</volume>
<numero>^sSupplement_1</numero>
<issue>^sSupplement_1</issue>
<supplement>Supplement_1</supplement>
<page-range>S2-8</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Dew]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Marriage and finance]]></article-title>
<source><![CDATA[Handbook of consumer finance research]]></source>
<year>2008</year>
<page-range>337-50</page-range><publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Duvendack]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Mader]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Impact of financial inclusion in low&#8208;and middle&#8208;income countries: a systematic review of reviews]]></article-title>
<source><![CDATA[Journal of Economic Surveys]]></source>
<year>2020</year>
<volume>34</volume>
<numero>3</numero>
<issue>3</issue>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[González Sierra]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Pérez Hernández]]></surname>
<given-names><![CDATA[C. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Mendoza Moheno]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Inclusión financiera y complejidad económica en México]]></article-title>
<source><![CDATA[Revista Mexicana de Economía y Finanzas]]></source>
<year>2023</year>
<volume>18</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gronbach]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Social cash transfers in sub-Saharan Africa: Financialization, digitization and financial inclusion]]></article-title>
<source><![CDATA[Financializations of Development]]></source>
<year>2023</year>
<publisher-name><![CDATA[Routledge]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ilham]]></surname>
<given-names><![CDATA[R. N.]]></given-names>
</name>
<name>
<surname><![CDATA[Erlina]]></surname>
<given-names><![CDATA[K. A. F.]]></given-names>
</name>
<name>
<surname><![CDATA[Silalahi]]></surname>
<given-names><![CDATA[A. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Saputra]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Albra]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Investigation of the bitcoin effects on the country revenues via virtual tax transactions for purchasing management]]></article-title>
<source><![CDATA[Int. J Sup. Chain. Mgt]]></source>
<year>2019</year>
<volume>8</volume>
<numero>6</numero>
<issue>6</issue>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="">
<collab>Instituto Nacional de Estadística y Geografía</collab>
<article-title xml:lang=""><![CDATA[Resultados de la Encuesta Nacional de Inclusión Financiera 2021]]></article-title>
<source><![CDATA[]]></source>
<year>2021</year>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="book">
<collab>International Labour Organization</collab>
<source><![CDATA[A gender-responsive employment recovery: building back fairer. Policy brief]]></source>
<year>2020</year>
<publisher-name><![CDATA[ILO]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lavinas]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Bressan]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Rubin]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Cordilha]]></surname>
<given-names><![CDATA[A. C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The financialization of social policy: an overview]]></article-title>
<source><![CDATA[Handbook on Critical Political Economy and Public Policy]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Li]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial inclusion and poverty: the role of relative income]]></article-title>
<source><![CDATA[China Economic Review]]></source>
<year>2018</year>
<volume>52</volume>
</nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The economic importance of financial literacy: theory and evidence]]></article-title>
<source><![CDATA[American Economic Journal: Journal of Economic Literature]]></source>
<year>2014</year>
<volume>52</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Oshora]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Desalegn]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Gorgenyi-Hegyes]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Fekete-Farkas]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Zeman]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Determinants of financial inclusion in small and medium enterprises: evidence from Ethiopia]]></article-title>
<source><![CDATA[Journal of Risk and Financial Management]]></source>
<year>2021</year>
<volume>14</volume>
<numero>7</numero>
<issue>7</issue>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pacheco-Ortiz]]></surname>
<given-names><![CDATA[D. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Cardona Valencia]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Valencia-Arias]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Variables que inciden en la inclusión financiera. Caso de estudio Colombia]]></article-title>
<source><![CDATA[Revista Técnica de la Facultad de Ingenieria Universidad Del Zulia]]></source>
<year>2023</year>
<volume>46</volume>
</nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Park]]></surname>
<given-names><![CDATA[C-Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Mercado Jr.]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial inclusion poverty, and income inequality]]></article-title>
<source><![CDATA[The Singapore Economic Review]]></source>
<year>2018</year>
<volume>63</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Quispe Mamani]]></surname>
<given-names><![CDATA[J. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Aguilar Pinto]]></surname>
<given-names><![CDATA[S. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Calcina Álvarez]]></surname>
<given-names><![CDATA[D. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Quispe Layme]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Determinants of financial inclusion in households in Peru]]></article-title>
<source><![CDATA[Frontiers in Sociology]]></source>
<year>2024</year>
<volume>9</volume>
</nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Roa]]></surname>
<given-names><![CDATA[M. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Carvallo]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Inclusión financiera y el costo del uso de instrumentos formales: las experiencias de América Latina y el Caribe]]></source>
<year>2018</year>
<publisher-name><![CDATA[Banco Interamericano de Desarrollo]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ruelas]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Vázquez López]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Cruz Salgado]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Sánchez Márquez]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Baeza Serrato]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Jiménez García]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Statistical control of multivariant processes through the artificial neural network multilayer perceptron and the MEWMA graphic analysis]]></article-title>
<source><![CDATA[IEEE Latin America Transactions]]></source>
<year>2020</year>
<volume>18</volume>
<numero>6</numero>
<issue>6</issue>
</nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Shofawati]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The role of digital finance to strengthen financial inclusion and the growth of SME in Indonesia]]></article-title>
<source><![CDATA[KnE Social Sciences]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="">
<collab>United Nations Capital Development Fund</collab>
<article-title xml:lang=""><![CDATA[UNCDF and the SDGC]]></article-title>
<source><![CDATA[]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vivas]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Martínez]]></surname>
<given-names><![CDATA[H. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Pérez]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Método secante estructurado para el entrenamiento del perceptrón multicapa]]></article-title>
<source><![CDATA[Revista de Ciencias]]></source>
<year>2014</year>
<volume>18</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zhang]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Chen]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Wang]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Spatial-temporal evolution and influencing factors of digital financial inclusion: County-level evidence from China]]></article-title>
<source><![CDATA[Chin. Geogr. Sci.]]></source>
<year>2023</year>
<volume>33</volume>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
