Financial inclusion in Mexico ¿Where we are? A theoretical reflection



Looking into Mexico’s situation regarding financial inclusion, we find there is a lot to do. Financial inclusion should be a more inclusive and important concept and turn into a global agenda. Therefore, financial inclusion is defined as the access and use of financial services under an appropriate regulation that guarantees protection schemes for consumers and promotes financial education in order to improve financial capabilities in all population segments. During the investigation to approach the concepts of access, use, protection and defense of consumers as well as financial education. It is concluded that the financial inclusion topic not only refers to the number of people linked to the financial system through savings and credit, but also to the efficient access to payment systems and tools. This topic is defined as the ease of access to the range of financial products and services, that allow people to effectively manage their money, regardless of their income level or social status. The importance of implementing this inclusion process is the cost implied by not being prepared for a healthy financial life; the less knowledge one has, the greater the debt incurred, and the quality of life is affected. Heightening, in this way, the economic differences in the population and forcing the policies sought for by the government to compensate for the damage caused by disinformation.


Financial inclusion, risks and opportunities, repercussions of knowledge or ignorance.


Banco Bilbao Vizcaya Argentaria “BBVA” (2013) “Flash México - Resultados de la Encuesta Nacional de Inclusión Financier”. Análisis Económico. 26 de abril de 2013. Retrieved of:[Consultada%20el%2025/03/2017]. Date 29 Mar. 2017.

Castañeda, G.; Castellanos, S. and Hernández, F. (2011). “Policies and Innovations for Improving Financial Access in Mexico”. Retrieved of: Date 27 de Mar. de 2014.

Comisión Nacional Bancaria y de Valores (2016) “Para utilizar una definición nacional”. Retrieved of:ón/Paginas/Descripción.aspx. Date 25 Mar. 2017.

Comisión Nacional Bancaria y de Valores (2013) “Reporte de inclusión financiera” Retrieved of: Date 29 Mar. 2017.

Comisión Nacional Bancaria y de Valores (2017) “Acciones de la CNBV”. Retrieved of: Date 29 Mar. 2017.

Comisión Nacional Bancaria y de Valores (2017) “¿Qué es la inclusión financiera?”. Retrieved of:ón/Paginas/Descripción.aspx. Date 30 Mar. de 2017.

Comisión Nacional Bancaria y de Valores (2017) “Libro blanco de inclusión financiera” Retrieved of: Date 29 Mar. 2017.

Demirgüç-Kunt, A.; Beck, T.; Honohan. P. (2008). “Finance for all? Policies and pitfalls in expanding access”. A World Bank Policy Research Report. Retrieved of: Date 24 Mar. 2014.

Heimann, U.; Navarrete, J.; O’Keefe, M.; Vaca,B. y Zapata, G. (2009). “Mapa Estratégico de Inclusión Financiera: Una Herramienta de Análisis”. Retrieved of: Date 26 Mar. 2014.

Hoyo, C.; Peña, X. y Tuesta, D. (2013). “Demand factors that influence financial inclusion in Mexico: Analysis of the barriers based on the ENIF survey”. Retrieved of: Date 28 Mar. 2014.

Instituto Nacional de Estadística y Geografía “INEGI” (2012) “Encuesta Nacional de Inclusión Financiera 2012”. Síntesis Metodológica. Retrieved of: Date 29 Mar.2017.

Ortiz, G. (2013). “Perspectives on Financial Inclusion from Mexico”. Retrieved of: : Date 31Mar. 2014.

Plan Nacional de Desarrollo 2007-2012 (2007). Retrieved of: Date 29 Mar. 2017.

Programa Nacional de Financiamiento del Desarrollo 2008-2012 (2008). Retrieved of: Date 29 Mar. 2017.

The Alliance for Financial Inclusion (2017) “A Policy Leadership Alliance”. Retrieved of: Date 29 Mar. 2017.

The Global Partnership for Financial Inclusion (2017) “Welcome to the Global Partnership for Financial Inclusion”. Retrieved of: Date 29 Mar. 2017.

Full Text: PDF

Creative Commons License
This work is licensed under a Creative Commons Attribution 3.0 License.