Estudio de causalidad sobre problemas de inclusión financiera con técnicas de ciencia de datos: el caso de México

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The Anáhuac Journal
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Publicado: Jun 26, 2024
DOI: https://doi.org/10.36105/theanahuacjour.2024v24n1.09
Palabras clave:
inclusión financiera, inteligencia artificial, aprendizaje automático

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Itzel Coquis Rioja
EGADE Business School, Tecnológico de Monterrey, México
https://orcid.org/0000-0001-6284-8320
Mario Iván Contreras Valdez
Tecnológico de Monterrey, México

Resumen

El presente artículo explora las causas de la inclusión financiera entre la población mexicana. Con datos de la Encuesta Nacional de Inclusión Financiera (ENIF) (INEGI, 2021) desarrolla dos modelos de aprendizaje automático con el objetivo de identificar a individuos que forman parte del sistema financiero. Estos modelos son evaluados valiéndose tanto de metodologías de inteligencia artificial como de pruebas estadísticas de significancia tradicionales. Los hallazgos sugieren que factores como nivel educativo, ingreso mensual, preferencias orientadas hacia el futuro sobre las presentes, capacidad de ahorro y acceso a teléfonos inteligentes son impulsores significativos que aumentan la probabilidad de inclusión financiera. En consecuencia, existe un potencial para la implementación de políticas públicas dirigidas a incentivar a los individuos para que adopten voluntariamente servicios financieros formales.

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Coquis Rioja, I., & Contreras Valdez, M. I. (2024). Estudio de causalidad sobre problemas de inclusión financiera con técnicas de ciencia de datos: el caso de México. The Anáhuac Journal, 24(1), Págs. 246–271. https://doi.org/10.36105/theanahuacjour.2024v24n1.09
Número
Vol. 24 Núm. 1 (2024): The Anáhuac Journal, Vol. 24, núm. 1, 2024, Primer Semestre
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Artículos
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Biografía del autor/a

Itzel Coquis Rioja, EGADE Business School, Tecnológico de Monterrey, México

Itzel Coquis Rioja graduated from Tecnológico de Monterrey (ITESM) Campus Mexico City with a degree in Business Administration and holds a Master’s in Energy Administration and Renewable Resources. She is currently a doctoral student in Financial Sciences. After completing her studies, she began her professional career at Coca-Cola Femsa, in Human Resources, in 2011. She worked in the area of market intelligence at Millward Brown as an Account Coordinator. Years later, she returned to ITESM with the goal of pursuing a postgraduate degree. Today she is the Bachelor Director of Marketing at Tecnológico de Monterrey Campus Mexico City. Since 2017 she has been a professor at the Business School. Students acknowledge her balanced vision of the business world, as well as the care she takes in the professional and personal development of students.

Mario Iván Contreras Valdez, Tecnológico de Monterrey, México

Mario Iván Contreras Valdez studied for a bachelor’s degree in economics and finance at Tecnológico de Monterrey (ITESM) and graduated with honors. Subsequently, he entered EGADE Business School to study for a Ph.D. in Finance, where he obtained recognition for an outstanding thesis. He is currently the Bachelor Director of Finance at Tecnológico de Monterrey Campus Mexico City. Additionally, he is a consultant to firms on topics of M&A and Risk Management. His research areas include cryptocurrencies, quantitative finance, and risk management.

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