<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0124-5996</journal-id>
<journal-title><![CDATA[Revista de Economía Institucional]]></journal-title>
<abbrev-journal-title><![CDATA[Rev.econ.inst.]]></abbrev-journal-title>
<issn>0124-5996</issn>
<publisher>
<publisher-name><![CDATA[Universidad Externado de Colombia]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0124-59962025000100217</article-id>
<article-id pub-id-type="doi">10.18601/01245996.v27n52.08</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[BANCA TRADICIONAL Y BANCA RESPONSABLE: UN CAMBIO DE PARADIGMA]]></article-title>
<article-title xml:lang="en"><![CDATA[Traditional Banking and Responsible Banking: A Paradigm Shift]]></article-title>
<article-title xml:lang="pt"><![CDATA[Banca Tradicional e Banca Responsável: Uma Mudança de Paradigma]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ferrari Ph.D.]]></surname>
<given-names><![CDATA[Cesar,]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Pérez Herrán]]></surname>
<given-names><![CDATA[Ana María]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Liévano Liévano]]></surname>
<given-names><![CDATA[Carolina]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Guerrero]]></surname>
<given-names><![CDATA[Juan Camilo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Martinez]]></surname>
<given-names><![CDATA[Juan David]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Pontificia Universidad Javeriana  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Superintendencia Financiera de Colombia  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af3">
<institution><![CDATA[,Superintendencia Financiera  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af4">
<institution><![CDATA[,Superintendencia Financiera  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af5">
<institution><![CDATA[,Superintendencia Financiera  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<volume>27</volume>
<numero>52</numero>
<fpage>217</fpage>
<lpage>259</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0124-59962025000100217&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0124-59962025000100217&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0124-59962025000100217&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen. El artículo aborda la transición de la banca tradicional hacia un modelo de Banca Responsable, destacando cómo este nuevo enfoque busca maximizar no solo beneficios económicos, sino también sociales y ambientales. Se expone el origen y evolución del concepto, así como los principios de la Banca Responsable, promovidos por organismos como la UNEP FI. Además, el texto desarrolla un modelo teórico que incorpora las utilidades de consumidores, trabajadores y el medio ambiente, y analiza el papel del Estado en la regulación y promoción de este enfoque. Finalmente, sugiere una metodología para medir el impacto de la Banca Responsable a través de un índice específico. G21, G28, Q56, M14.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract. The article addresses the transition from traditional banking to a Responsible Banking model, emphasizing how this new approach aims to maximize not only economic benefits but also social and environmental ones. It explores the origin and evolution of the concept, as well as the principles of Responsible Banking promoted by organizations like UNEP FI. Additionally, the text develops a theoretical model that incorporates the utilities of consumers, workers, and the environment, and examines the role of the State in regulating and promoting this approach. Finally, it suggests a methodology to measure the impact of Responsible Banking through a specific index. G21, G28, Q56, M14.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo. O artigo aborda a transição do modelo de banca tradicional para um modelo de Banca Responsável, destacando como essa nova abordagem visa maximizar não apenas benefícios econômicos, mas também sociais e ambientais. Explora a origem e a evolução do conceito, assim como os princípios da Banca Responsável promovidos por organizações como a UNEP FI. Além disso, o texto desenvolve um modelo teórico que incorpora as utilidades dos consumidores, trabalhadores e do meio ambiente, e examina o papel do Estado na regulamentação e promoção dessa abordagem. Finalmente, sugere uma metodologia para medir o impacto da Banca Responsável por meio de um índice específico. G21, G28, Q56, M14.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Banca Responsable]]></kwd>
<kwd lng="es"><![CDATA[Banca Tradicional]]></kwd>
<kwd lng="es"><![CDATA[desarrollo sostenible]]></kwd>
<kwd lng="es"><![CDATA[finanzas éticas]]></kwd>
<kwd lng="es"><![CDATA[impacto social]]></kwd>
<kwd lng="es"><![CDATA[sostenibilidad ambiental]]></kwd>
<kwd lng="es"><![CDATA[modelo de utilidad]]></kwd>
<kwd lng="es"><![CDATA[regulación estatal]]></kwd>
<kwd lng="es"><![CDATA[Principios UNEP FI]]></kwd>
<kwd lng="es"><![CDATA[índice de Banca Responsable]]></kwd>
<kwd lng="en"><![CDATA[Responsible Banking]]></kwd>
<kwd lng="en"><![CDATA[Traditional Banking]]></kwd>
<kwd lng="en"><![CDATA[sustainable development]]></kwd>
<kwd lng="en"><![CDATA[ethical finance]]></kwd>
<kwd lng="en"><![CDATA[social impact]]></kwd>
<kwd lng="en"><![CDATA[environmental sustainability]]></kwd>
<kwd lng="en"><![CDATA[utility model]]></kwd>
<kwd lng="en"><![CDATA[state regulation]]></kwd>
<kwd lng="en"><![CDATA[UNEP FI Principles]]></kwd>
<kwd lng="en"><![CDATA[Responsible Banking Index]]></kwd>
<kwd lng="pt"><![CDATA[Banca Responsável]]></kwd>
<kwd lng="pt"><![CDATA[Banca Tradicional]]></kwd>
<kwd lng="pt"><![CDATA[desenvolvimento sustentável]]></kwd>
<kwd lng="pt"><![CDATA[finanças éticas]]></kwd>
<kwd lng="pt"><![CDATA[impacto social]]></kwd>
<kwd lng="pt"><![CDATA[sustentabilidade ambiental]]></kwd>
<kwd lng="pt"><![CDATA[modelo de utilidade]]></kwd>
<kwd lng="pt"><![CDATA[regulação estatal]]></kwd>
<kwd lng="pt"><![CDATA[Princípios UNEP FI]]></kwd>
<kwd lng="pt"><![CDATA[índice de Banca Responsável]]></kwd>
</kwd-group>
</article-meta>
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