Abstract

DIAZ RODRIGUEZ, Héctor Eduardo; SOSA CASTRO, Miriam  and  CABELLO ROSALES, María Alejandra. Determinants of the level of financial inclusion in Mexico: an analysis using neural networks. Prob. Des [online]. 2025, vol.56, n.221, pp.109-135.  Epub Oct 27, 2025. ISSN 0301-7036.  https://doi.org/10.22201/iiec.20078951e.2025.221.70234.

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.

Keywords : financial inclusion; inclusion factors; artificial neural networks.

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