<?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>S1665-53462024000200009</article-id>
<article-id pub-id-type="doi">10.21919/remef.v19i2.1019</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El desempeño del sistema bancario mexicano como resultado de la inclusión tecnológica digital]]></article-title>
<article-title xml:lang="en"><![CDATA[The performance of the Mexican banking system as a result of digital technological inclusion]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Banda Ortíz]]></surname>
<given-names><![CDATA[Humberto]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Góngora Jiménez]]></surname>
<given-names><![CDATA[Sergio Rodolfo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vivanco Vargas]]></surname>
<given-names><![CDATA[Martín]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Castillo Ramírez]]></surname>
<given-names><![CDATA[Claudia Estrella]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma de Querétaro  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2024</year>
</pub-date>
<volume>19</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462024000200009&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462024000200009&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462024000200009&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo es determinar la relación entre el desempeño del sistema bancario mexicano y el uso de la tecnología digital. La metodología es a través del uso del modelo de datos de panel de efectos fijos, se utilizó la utilidad por acción y la relaciona con el incremento de la infraestructura tecnológica. El resultado muestra que el desempeño del sistema bancario mexicano se encuentra significativamente determinada por el incremento de la inversión tecnológica, la diversidad de tecnologías usadas y las facilidades de conectividad de internet disponibles para la población. Se recomienda identificar las nuevas tecnologías disruptivas que serán base del futuro crecimiento del sistema bancario. La limitación del estudio establece que se ha enfocado en el análisis del impacto de los canales tecnológicos y no los canales tradicionales. La originalidad es el uso un modelo econométrico para validar la aseveración teórica de que las tecnologías digitales han sido fundamentales para el desempeño del sistema bancario, en las conclusiones se establecen que entre mayor es la inversión en tecnologías es más favorable el crecimiento del sistema bancario de un país.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective is to determine the relationship between the performance of the Mexican banking system and the use of digital technology. The methodology is through the use of the fixed effects panel data model, profit per share was used and related to the increase in technological infrastructure. The result shows that the performance of the Mexican banking system is significantly determined by the increase in technological investment, the diversity of technologies used and the Internet connectivity facilities available to the population. It is recommended to identify the new disruptive technologies that will be the basis for the future growth of the banking system. The limitation of the study is that it has focused on the analysis of the impact of technological channels and not traditional channels. The originality is the use of an econometric model to validate the theoretical assertion that digital technologies have been fundamental for the performance of the banking system, in the conclusions it is established that the greater the investment in technologies, the more favorable the growth of the banking system of a country.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Sistema bancario mexicano]]></kwd>
<kwd lng="es"><![CDATA[utilidad por acción, tecnologías digitales]]></kwd>
<kwd lng="en"><![CDATA[Mexican banking system]]></kwd>
<kwd lng="en"><![CDATA[earnings per share, digital technologies]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="">
<collab>Accenture</collab>
<source><![CDATA[Nuevas tecnologías nuevos retos y oportunidades para los bancos]]></source>
<year>2012</year>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arjun]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
<name>
<surname><![CDATA[Abhisek]]></surname>
<given-names><![CDATA[Kuanr]]></given-names>
</name>
<name>
<surname><![CDATA[Suprabha]]></surname>
<given-names><![CDATA[KR]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Developing banking intelligence in emerging markets: Systematic review and agenda]]></article-title>
<source><![CDATA[International Journal of Information Management Data Insights]]></source>
<year>2021</year>
<volume>1</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="">
<collab>Banco Mundial</collab>
<source><![CDATA[Panorama general de los sistemas financieros]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="book">
<collab>BDIF</collab>
<source><![CDATA[Base de datos de Inclusión Financiera]]></source>
<year>2022</year>
<publisher-name><![CDATA[Comisión Nacional Bancaria y de Valores]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Broby]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial technology and the future of banking]]></article-title>
<source><![CDATA[Financ Innov]]></source>
<year>2021</year>
<volume>7</volume>
<numero>47</numero>
<issue>47</issue>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Carstens]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Big Tech in Finance and New Challenges for Public Policy]]></article-title>
<source><![CDATA[FT Banking Summit]]></source>
<year>2018</year>
<publisher-loc><![CDATA[Londres ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Casilda]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Realidades y alternativas, el futuro de la banca. La banca virtual]]></article-title>
<source><![CDATA[Esic-Market]]></source>
<year>1997</year>
<numero>95</numero>
<issue>95</issue>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chama]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Mobile Banking adoption: A systematic review and direction for further research]]></article-title>
<source><![CDATA[Journal of Theoretical and Applied Information Technology]]></source>
<year>2021</year>
<volume>99</volume>
<numero>16</numero>
<issue>16</issue>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="">
<collab>CNBV</collab>
<source><![CDATA[Informe Anual 2019]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<collab>CNBV</collab>
<source><![CDATA[Designa Junta de Gobierno de la CNBV a Instituciones de Banca Múltiple de Importancia Sistémica Local]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="">
<collab>CNBV</collab>
<source><![CDATA[Sector Banca Múltiple, acciones y programas]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="">
<collab>CNBV</collab>
<source><![CDATA[Boletín estadístico de la CNBV]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="">
<collab>Computer Economics</collab>
<source><![CDATA[IT Spending &amp; Staffing Benchmarks 2018/2019]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cuadros-Solas]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La nueva tecnología bancaria: Aplicaciones, adopción e impacto en la banca]]></article-title>
<source><![CDATA[Papeles de Economía Española]]></source>
<year>2019</year>
<numero>162</numero>
<issue>162</issue>
</nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[De la Mano]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Padilla]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Big Tech Banking]]></article-title>
<source><![CDATA[Journal of Competition Law and Economics]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="">
<collab>Deliotte</collab>
<source><![CDATA[La banca mexicana en números, tercer trimestre de 2021]]></source>
<year>2021</year>
</nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Fanjul]]></surname>
<given-names><![CDATA[J.L.]]></given-names>
</name>
<name>
<surname><![CDATA[Valdunciel]]></surname>
<given-names><![CDATA[L]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Impacto de las nuevas tecnologías en el negocio bancario español]]></article-title>
<source><![CDATA[Investigaciones Europeas de Dirección y Economía de la Empresa]]></source>
<year>2009</year>
<volume>15</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Fernández]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Urbiola]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<source><![CDATA[Transformación digital y competencia en el sector financiero]]></source>
<year>2018</year>
<publisher-name><![CDATA[BBVA Research]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="">
<collab>Financial Stability Board</collab>
<source><![CDATA[FinTech and Market Structure in Financial Services: Market Developments and Potential Financial Stability Implications]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="">
<collab>Foro Económico Mundial</collab>
<source><![CDATA[Beyond Fintech: A Pragmatic Assessment of Disruptive Potential in Financial Services]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="">
<collab>Frost &amp; Sullivan</collab>
<source><![CDATA[Navegando la era de la transformación digital en el sector financiero mexicano]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="">
<collab>Geneva Reports on the World Economy</collab>
<source><![CDATA[The Impact of Blockchain Technology on Finance: A Catalyst for Change]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Go&#322;&#281;biowski]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[T&#322;acza&#322;a]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Analiza ekonomiczno-finansowa w uj&#281;ciu praktycznym]]></source>
<year>2005</year>
<publisher-loc><![CDATA[warszawa ]]></publisher-loc>
<publisher-name><![CDATA[Diffin]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gupta]]></surname>
<given-names><![CDATA[U.G]]></given-names>
</name>
<name>
<surname><![CDATA[Collins]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The impact of information system on the efficiency of banks: an empirical investigation]]></article-title>
<source><![CDATA[Industrial management &amp; data system]]></source>
<year>1997</year>
<volume>97</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Larrán]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Muriel de los Reyes]]></surname>
<given-names><![CDATA[M.J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La banca por Internet como innovación tecnológica en el sector bancario]]></article-title>
<source><![CDATA[Investigaciones Europeas de dirección y economía de la empresa]]></source>
<year>2007</year>
<volume>13</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="">
<collab>cámara de diputados</collab>
<article-title xml:lang=""><![CDATA[Ley de instituciones de crédito]]></article-title>
<source><![CDATA[]]></source>
<year>2022</year>
<publisher-loc><![CDATA[México ]]></publisher-loc>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="">
<collab>NIC 33</collab>
<source><![CDATA[Norma Internacional de Contabilidad No. 33, Ganancias por acción]]></source>
<year>2009</year>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nowak]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<source><![CDATA[Analiza sprawozda&#324; finansowych]]></source>
<year>2017</year>
<publisher-loc><![CDATA[Warszawa ]]></publisher-loc>
<publisher-name><![CDATA[PWE]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mols]]></surname>
<given-names><![CDATA[N.P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Organizing for the effective introduction of new distribution channels inn retail banking]]></article-title>
<source><![CDATA[European Journal of Marketing]]></source>
<year>2001</year>
<volume>35</volume>
<numero>5/6</numero>
<issue>5/6</issue>
</nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="">
<collab>OCDE</collab>
<source><![CDATA[Digital disruption in banking, Annual Review of financial Economics]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Prewysz-Kwinto]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Voss]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Earnings Per Share Under International Accounting Regulations and Based on the Example of Companies Listed on the Warsaw Stock Exchange]]></article-title>
<source><![CDATA[European Journal of Economics and Business Studies]]></source>
<year>2017</year>
<volume>3</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="">
<collab>PWC</collab>
<source><![CDATA[Technology 2020 and beyond: embracing disruption]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rahman]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Ming]]></surname>
<given-names><![CDATA[T.H.]]></given-names>
</name>
<name>
<surname><![CDATA[Baigh]]></surname>
<given-names><![CDATA[T.A.]]></given-names>
</name>
<name>
<surname><![CDATA[Sarker]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Adoption of artificial intelligence in banking services: an empirical analysis]]></article-title>
<source><![CDATA[International Journal of Emerging Markets]]></source>
<year>2021</year>
<volume>ahead-of-print</volume>
</nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rincón]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Las nuevas tecnologías de la información como factor de la competitividad y liderazgo en el negocio bancario]]></article-title>
<source><![CDATA[Perspectivas del Sistema Financiero]]></source>
<year>1994</year>
<numero>48</numero>
<issue>48</issue>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sánchez]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Enríquez]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Kindelán]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Iniciativas para fomentar el uso de los servicios bancarios a distancia]]></article-title>
<source><![CDATA[Ekonomiaz: Revista vasca de economía]]></source>
<year>2007</year>
<numero>66</numero>
<issue>66</issue>
<page-range>194-219</page-range></nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sierpinska]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Jachna]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<source><![CDATA[Ocena przedsi&#281;biorstwa wed&#322;ug standardów &#347;wiatowych]]></source>
<year>2004</year>
<publisher-loc><![CDATA[Warszawa ]]></publisher-loc>
<publisher-name><![CDATA[PWN]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Soley]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Banca y Tecnología: dos realidades hermanadas]]></article-title>
<source><![CDATA[Harvard Deuston Business Review]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Souiden]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Ladhari]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Chaouali]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Mobile banking adoption: a systematic review]]></article-title>
<source><![CDATA[International Journal of Bank Marketing]]></source>
<year>2021</year>
<volume>39</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>214-41</page-range></nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Stiglitz]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Revolution of Information Economics: The Past and the Future]]></source>
<year>2017</year>
<publisher-name><![CDATA[National Bureau of Economic Research]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Valle]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Cinco reflexiones sobre el sistema financiero]]></article-title>
<source><![CDATA[Papeles de Economía Española]]></source>
<year>2000</year>
<numero>84-85</numero>
<issue>84-85</issue>
</nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vives]]></surname>
<given-names><![CDATA[Xavier]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La banca digital a la disrupción digital]]></article-title>
<source><![CDATA[Papeles de Economía Española]]></source>
<year>2019</year>
<numero>169</numero>
<issue>169</issue>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
