Inclusión financiera en México, un análisis mediante autocorrelación espacial y técnica de clustering

Abstract

Financial Inclusion in the Municipalities of Mexico Under the Spatial Autocorrelation and Clustering Approach

The effective access to various financial products can be decisive to use efficiently the opportunities offered by the financial market. The purpose of this research is to determine the inclusion degree of financing in Mexico for 2021, so, a method used was through spatial econometrics to identify clusters at municipal level. The results showed that administrative units that have elevated levels of correlation in indicators such as: access roads, number of credit products and number of deposit accounts; have more financial inclusion in CDMX’s administrative units. On the other hand, zones with lowest levels of financial inclusion correspond to Oaxaca and Guerrero counties. The development of a financial inclusion strategy is proposed according to the needs of the identified clusters. This work innovates in presenting a cluster analysis at the municipal level for financial inclusion.