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    Item type:Publication,
    Critical Factors for Financial Inclusion in Mexico
    Financial inclusion is widely regarded as an important driver of economic development and social well-being, yet existing evidence often treats inclusion as a uniform process. This study examines how different channels of financial inclusion relate to regional economic activity across Mexican states between 2018 and 2023. Distinguishing among traditional banking infrastructure, card-based financial products, and digital inclusion through mobile banking, the analysis finds that digital adoption is the most robust margin associated with higher economic activity, even after accounting for persistent regional differences. Dynamic evidence further suggests a sequential, mobile-first pattern of financial deepening, in which the expansion of mobile banking precedes improvements in economic performance and the later diffusion of credit-based instruments. In contrast, traditional access indicators display weaker short-run associations with regional output. Overall, the findings highlight the importance of technological channels and timing in shaping the economic impact of financial inclusion, particularly in regions where physical financial infrastructure remains limited. ©The authors ©MDPI
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    Agro‐Leadership Model in the Aquaculture Sector in Mexico
    This research aims to analyze leadership for innovation in the Mexican aquaculture sector. The main characteristics of aquaculture producers in the Mezquital Valley of Hidalgo State have been identified and grouped according to an Agro-leadership profile. The methodological strategy uses machine learning techniques. The data were obtained from a questionnaire of 40 owners or representatives of aquaculture farms. The results show that most leaders with the characteristics of the Agro-leadership model directly influence innovative products, processes, managers, and marketing. According to the developed model, the most relevant factors are seeking solutions to problems, leadership grounded in personal values, establishing connections among leaders, and providing opportunities for others' personal and professional development. These results provide empirical evidence for decision-making, both for entrepreneurs in the sector seeking to strengthen their innovation capacity and for public policymakers designing targeted support programs, by highlighting the fundamental role of values-based leadership and collaborative networks in transforming aquaculture practices. ©The authors © Wiley.
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    A Conceptual Framework for Digital Transformation of Business Models: Advancing Towards Industry 5.0
    (Springer Nature Switzerland, 2026) ; ;
    Hernández-Lara, Ana Beatriz
    Digital transformation is progressing unevenly across industries, with varying levels of success influenced by organizational and sector-specific factors. Understanding where to focus investments and what type of transformation to adopt has become a crucial challenge for companies seeking competitiveness and market relevance in the digital era. This paper aims to analyze companies’ strategic decision making to foster digital transformation, conducting a literature review, and proposing a conceptual framework for digital transformation of business models. The study identifies key drivers of successful digital transformation, including digital strategy, human capital, scalability, customer focus, security and risk management. Integrating these factors, the proposed model emphasizes the strategic alignment of digital initiatives with organizational goals, fostering a culture of continuous innovation and adaptability. The findings contribute to a deeper understanding of the mechanisms and prerequisites for effective digital transformation, offering insights for organizations navigating the shift toward Industry 5.0. ©The authors ©Springer.
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    Digital financial inclusion as a catalyst for innovation, economic growth, and sustainability: A bibliometric analysis (2014-2024)
    (Pro-Metrics, 2025)
    Salazar-Uribe, Mayra Yvette
    ;
    ;
    Salgado-García, Jorge Arturo
    ;
    Hernández-Lara, Ana Beatriz
    Objective. This study aimed to conduct a bibliometric analysis of keywords to identify strategic topics in digital financial inclusion (DFI) and their relationship with sustainability and economic growth between 2014 and 2024. Design/Methodology/Approach. A bibliometric analysis was conducted on a sample of 1,234 academic articles indexed in Scopus using the Bibliometrix tool in R. Keyword co-occurrence was examined using multiple correspondence analysis and K-means clustering to reveal thematic structures. Results/Discussion. A total of six thematic clusters were identified: (1) threshold effect, (2) digital transformation, (3) central bank digital currencies (CBDCs), (4) sustainable development, (5) financial and digital literacy, and (6) fintech. These clusters demonstrated the evolution of DFI from its initial role as a technological enabler, such as fintech and blockchain, to its current impact on economic development, growth, and sustainability. This analysis proposed a conceptual model of DFI. In this model, digital literacy and fintech functioned as enablers. Meanwhile, CBDCs and blockchain technology served as structural tools. Digital financial inclusion was defined as a mechanism for inclusive economic development. Conclusion. The findings contributed to an understanding of how financial digitization is linked to sustainability strategies and long-term economic growth. ©The authors ©Iberoamerican Journal of Science Measurement and Communication ©Pro-Metrics
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    Digital Transformation and Innovation in Organizations : A Latin American Perspective
    (Springer Nature Switzerland, 2025) ; ;
    Antonia Teran-Bustamante
    ;
    This volume discusses the intersection of digital transformation and innovation in firms, sectors, and regions in Latin America. It addresses the region’s labor market challenges in the advent of the digital era and the influences of AI. The chapters cover topics ranging from education, organizational culture, sustainability, ethics, and human resources. Exploring how digital and STEM literacies can serve as a tool for developing skills in organizations and emphasizing the need for human adaptability in the context of Industry 5.0, this book provides scholars with case studies to better understand the ongoing debates on labor market challenges. ©The authors ©Springer.
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    A Latin American Perspective of Digital Transformation and Innovation in Organizations: An Introduction
    Digital transformation is a key component of an organization’s transformation strategy. The right technologies, people, processes, and operations allow organizations to respond faster to a changing market, adapt, take advantage of opportunities, innovate, and generate value and competitive advantages. This paper discusses the Digital Transformation (DT) in Latin America, highlighting its accelerated growth due to the COVID-19 pandemic. It explores the digital divide and inequalities between sectors, with some industries advancing faster than others. The document emphasizes the need for human-centric approaches to DT and the importance of public policies to ensure equitable access and protection. It also examines different authors’ definitions and perspectives on DT, emphasizing the importance of data-driven processes and the role of digital capabilities in organizational success. ©The authors ©Springer.
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    Intersection of Banking, Social Welfare, and Digital Transformation: The Mexican Case, a Latin American Perspective
    (Springer Nature Switzerland, 2025) ;
    González-Rossano, Carlos
    ;
    The banking system has been instrumental in developing economies throughout history, as it has effectively directed the funds collected from their clients’ savings and investments into productive activities of individuals and enterprises, financed consumer goods and current expenditures, housing and infrastructure projects, and provided market liquidity. However, in Latin America and amid digital transformation, banks face the dual challenge of modernizing operations while addressing socio-economic disparities. This study shows that fluctuations in operational measurements of top Mexican banks significantly affect changes in the widely used global measure of social welfare, the Human Development Index. We evaluated findings by using a machine learning prediction model and a panel data estimation, and underline how digital transformation in banking using emerging technologies to increase public access to financial services, especially credit loans for marginalized populations, can improve customer experience and financial inclusion to exploit this correlation. This approach provides a framework for understanding the potential of digital technologies to drive competitive advantages and social benefits across Latin America. ©The authors ©Springer.
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    Making Better Medical Decisions Using Machine Learning: A Bayesian Model
    Currently, most countries seek universal health coverage for all people; however, in the face of the crisis in health systems caused by the COVID-19 pandemic and the high demand for these services, it is more relevant to have tools that allow faster data taking. However, making medical decisions is one of the most complex processes. Artificial intelligence (AI) is a rapidly evolving field that can transform various aspects of healthcare, such as diagnosis, treatment, prevention, and management. However, to have confidence in the systems, the actors must ensure they are adequately trained to make correct decisions. This research analyzes medical decision-making through Bayesian networks with machine learning techniques. This research creates a methodology and model for making medical decisions based on artificial intelligence. The model shows critical factors that optimally influence decision-making to generate value that translates into patient health. The results show that optimal or non-optimal medical decision-making and its various aspects through the causality of the variables allow the interrelation to be more adequately captured to manage it. The most relevant factors for adequate decision-making are Ethical Issues, Risk/Benefit, Scientific Integrity, Transparent Decisions, Data Preprocessing and Curation, Performance Evaluation, and ML Model. ©The authors © Springer.
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    Determining the Influence of Socioeconomic and Clinical Factors in Diabetes in the Mexican Population Using Machine Learning Techniques
    Diabetes has a significant cost for health systems and the economy in general of countries, in addition to affecting the quality of life of people who suffer from it. Studying and analyzing the economic and clinical factors that trigger it allows us to identify the financial burden it represents and how policies and programs can be generated to support the prevention of this disease. This research aims to analyze the influence of socioeconomic and clinical factors on the Mexican population suffering from Diabetes. The analysis methods that are applied are the machine learning technique. The results in the Mexican population show that deaths from Diabetes occur more frequently in the population between 20 and 59 years of age. The factors related to housing-urbanization, specifically homes without piped water homes and houses with dirt floors, as well as people without the right to social security, are the critical factors that correlate with deaths caused by Diabetes: Hypertension, pneumonia, chronic respiratory diseases, coronary diseases, and influenza. ©The authors © Springer.
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    Regulations and Laws Affecting Women’s Economic Opportunities: A Worldwide Approach
    (SAGE Publications, 2025)
    Hernández-Lara, Ana Beatriz
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    ; ;
    Leyva-Hernández, Sandra Nelly
    This research aims to analyze the regulations and laws that promote economic opportunities for women at an international level, predict their impact on income levels, and estimate when legal gender equality will be achieved across different regions. The countries are compared over time, based on their income levels and regional locations, considering regulatory indicators on mobility, workplace, pay, marriage, parenthood, entrepreneurship, assets, and pensions. The methodological strategy was based on machine learning methods. The results indicate a positive trend in the average scores of all regulatory indicators, revealing significant differences across groups of countries and suggesting more egalitarian regulatory frameworks for developed countries, as well as more imbalanced and less progressive frameworks for underdeveloped and developing countries. The regulatory axes that better predict a country’s income level were parenthood, analyzing laws affecting women’s work after having children; assets, which consider gender differences in ownership and inheritance; and marriage, related to the legal constraints on women affected by marriage and divorce. However, the paternity axis is the last to be achieved. ©The authors ©SAGE Publications ©SAGE Open.