<?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>S1665-53462025000100001</article-id>
<article-id pub-id-type="doi">10.21919/remef.v20i1.1146</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Older Adults&#8217; Financial Literacy Spatial Analysis in Tlaxcala]]></article-title>
<article-title xml:lang="es"><![CDATA[Análisis Espacial de la Educación Financiera en Adultos Mayores en Tlaxcala]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Raccanello]]></surname>
<given-names><![CDATA[Kristiano]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Montalvo Vargas]]></surname>
<given-names><![CDATA[Ramos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Fundación Universidad de las Américas Puebla  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma de Tlaxcala  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2025</year>
</pub-date>
<volume>20</volume>
<numero>1</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462025000100001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462025000100001&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462025000100001&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper maps older adults (OAs) financial literacy in 59 out of 60 municipalities of the Tlaxcala state (Mexico) analyzing the patterns at municipality and voting district level. Through a random sample of 2954 OAs we measure and compare sub-groups financial literacy means versus the state mean. Only 2.33% of all OAs are financial literate, and those with higher dependency score below the state average. Formal education and not having inherited are associated with major knowledge and OAs financial illiteracy is associated with being abused. This results may serve as a baseline for public policy and show specific vulnerabilities for this age group. The main limitation of the research is that neither all municipalities, nor voting district, were surveyed. The originality stems from mapping microdata aggregation that may benefit decision makers and research scholars. In order to spread financial literacy specific actions attached to the national policy need to be taken.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo mapea la educación financiera de las personas adultas mayores (PAM) en 59 de 60 municipios del estado de Tlaxcala (México) analizando los patrones a nivel municipal y distrito electoral. A través de una muestra aleatoria de 2954 PAM, medimos y comparamos las medias de educación financiera de los subgrupos respecto a la media estatal. Sólo el 2,33% de todas las PAM tienen conocimientos financieros, y aquellos con mayor dependencia muestran menores conocimientos respecto a la media estatal. Tener educación formal y no haber heredado se asocian con mejores conocimientos y el analfabetismo financiero se asocia con la violencia hacia las PAM. Estos resultados pueden constituir una línea base para políticas públicas y evidencian las vulnerabilidades específicas de este grupo etario. La principal limitación consiste en no haber alcanzado todos los municipios ni todos los distritos electorales. La originalidad de esta investigación radica en el mapeo de microdatos agregados que puede beneficiar a los tomadores de decisiones y a los investigadores. Para difundir la educación financiera es necesario adoptar medidas específicas y vinculadas a la política nacional en materia.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Financial literacy]]></kwd>
<kwd lng="en"><![CDATA[Older adults]]></kwd>
<kwd lng="en"><![CDATA[Spatial analysis]]></kwd>
<kwd lng="en"><![CDATA[Tlaxcala]]></kwd>
<kwd lng="es"><![CDATA[Adultos mayores]]></kwd>
<kwd lng="es"><![CDATA[Análisis espacial]]></kwd>
<kwd lng="es"><![CDATA[Educación financiera]]></kwd>
<kwd lng="es"><![CDATA[Tlaxcala]]></kwd>
</kwd-group>
</article-meta>
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