<?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>0124-7913</journal-id>
<journal-title><![CDATA[Bitácora Urbano Territorial]]></journal-title>
<abbrev-journal-title><![CDATA[Bitácora Urbano Territorial]]></abbrev-journal-title>
<issn>0124-7913</issn>
<publisher>
<publisher-name><![CDATA[Universidad Nacional de Colombia, sede BogotáInstituto de Investigaciones Hábitat, Ciudad y Territorio]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0124-79132022000200171</article-id>
<article-id pub-id-type="doi">10.15446/bitacora.v32n2.99783</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Territorio, finanzas y economia urbana en Argentina. La intermediación financiera en ciudades durante la pandemia]]></article-title>
<article-title xml:lang="en"><![CDATA[Territory, finances and urban economy in Argentina. Financial intermediation in cities in pandemic]]></article-title>
<article-title xml:lang="pt"><![CDATA[Território, finanças e economia urbana na Argentina. Intermediação financeira nas cidades durante a pandemia]]></article-title>
<article-title xml:lang="fr"><![CDATA[Territoire, finances et économie urbaine en Argentine. L'intermédiation financière dans]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Parserisas]]></surname>
<given-names><![CDATA[Derlis Daniela]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,IGEHCS, CONICET / UNCPBA  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>08</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>08</month>
<year>2022</year>
</pub-date>
<volume>32</volume>
<numero>2</numero>
<fpage>171</fpage>
<lpage>184</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0124-79132022000200171&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0124-79132022000200171&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0124-79132022000200171&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En tiempos de pandemia, en las ciudades y los territorios nacionales se manifiestan cambios en la organización de las actividades económicas y en las prácticas de consumo de la población. Las finanzas, como actividad del circuito superior de la economía urbana, encuentran nuevas formas de expansión. Los bancos, actores tradicionales del circuito superior, junto a otros nuevos actores como las fintech, ofrecen servicios de intermediación financiera en las ciudades, en base a la modernización tecnológica. El objetivo del trabajo es mostrar el fenómeno de expansión financiera en ciudades de Argentina a partir de actores que operan en la intermediación financiera de pagos electrónicos y revelan nuevas formas de organización del circuito superior. La metodología se basa en trabajos académicos, informes del Banco Central de la República Argentina y artículos periodísticos de diarios y revistas temáticas especializadas.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract In times of pandemic, cities and national territories show changes in the organization of economic activities and in the consumption practices of the population. Finance, as an activity in the upper circuit of the urban economy, finds new forms of expansion. Banks, traditional players in the upper circuit, along with other new players such as fintech, offer financial intermediation services in cities, based on technological modernization. The objective of the work is to show the phenomenon of financial expansion in cities of Argentina from actors that operate in the financial intermediation of electronic payments and reveal new forms of organization of the upper circuit. The methodological basis of research are academic papers, reports from the Banco Central de la República Argentina, and newspaper articles from newspapers and specialized thematic magazines.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo Em tempos de pandemia, cidades e territórios nacionais apresentam mudanças na organização das atividades econômicas e nas práticas de consumo da população. As finanças, como atividade do circuito superior da economia urbana, encontram novas formas de expansão. Os bancos, atores tradicionais do circuito superior, ao lado de outros novos atores como as empresas fintech, oferecem serviços de intermediação financeira nas cidades, com base na modernização tecnológica. O objetivo do trabalho é mostrar o fenômeno da expansão financeira em cidades da Argentina a partir de atores que atuam na intermediação financeira de pagamentos eletrônicos e revelan novas formas de organização do circuito superior. A metodologia teve como base trabalhos acadêmicos, relatórios do Banco Central da República Argentina e artigos de jornais e revistas temáticas especializadas.]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[Résumé En période de pandémie, les villes et territoires nationaux montrent des changements dans l'organisation des activités économiques et dans les pratiques de consommation de la population. La finance, en tant qu'activité du circuit supérieur de l'économie urbaine, trouve de nouvelles formes d'expansion. Les banques, acteurs traditionnels du circuit supérieur, ainsi que d'autres nouveaux acteurs tels que les sociétés de technologie financière, proposent des services d'intermédiation financière dans les villes, basés sur la modernisation technologique. L'objectif du travail est de montrer le phénomène d'expansion financière dans les villes d'Argentine à partir d'acteurs qui opèrent dans l'intermédiation financière des paiements électroniques qui révèlent de nouvelles formes d'organisation du circuit supérieur. La méthodologie est basée sur articles universitaires, des rapports de la Banco Central de la República Argentina et articles de journaux et de magazines thématiques spécialisés.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[pandemia]]></kwd>
<kwd lng="es"><![CDATA[ciudades]]></kwd>
<kwd lng="es"><![CDATA[finanzas]]></kwd>
<kwd lng="es"><![CDATA[consumo]]></kwd>
<kwd lng="en"><![CDATA[pandemic]]></kwd>
<kwd lng="en"><![CDATA[cities]]></kwd>
<kwd lng="en"><![CDATA[finance]]></kwd>
<kwd lng="en"><![CDATA[consumption]]></kwd>
<kwd lng="pt"><![CDATA[pandemia]]></kwd>
<kwd lng="pt"><![CDATA[cidades]]></kwd>
<kwd lng="pt"><![CDATA[finanças]]></kwd>
<kwd lng="pt"><![CDATA[consumo]]></kwd>
<kwd lng="fr"><![CDATA[pandémie]]></kwd>
<kwd lng="fr"><![CDATA[villes]]></kwd>
<kwd lng="fr"><![CDATA[finance]]></kwd>
<kwd lng="fr"><![CDATA[consommation]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[ASSUSA]]></surname>
<given-names><![CDATA[G]]></given-names>
</name>
<name>
<surname><![CDATA[FREYRE]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
<name>
<surname><![CDATA[MERINO]]></surname>
<given-names><![CDATA[F]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Estrategias económicas y desigualdad social. Dinámicas de consumo, ahorro y finanzas de familias cordobesas]]></article-title>
<source><![CDATA[Población y Sociedad]]></source>
<year>2019</year>
<volume>26</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>1-33</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="">
<collab>BANCO CENTRAL DE LA REPÚBLICA ARGENTINA [BCRA]</collab>
<source><![CDATA[Información de entidades financieras]]></source>
<year>2021</year>
<month>,</month>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="">
<collab>BANCO CENTRAL DE LA REPÚBLICA ARGENTINA [BCRA]</collab>
<source><![CDATA[Informe de inclusiónfinanciera]]></source>
<year>2021</year>
<month>,</month>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="book">
<collab>BANCO INTERAMERICANO DE DESARROLLO [BID]ZO</collab>
<source><![CDATA[Estudio fntech 2020. Ecosistema argentino]]></source>
<year>2020</year>
<month>,</month>
<publisher-name><![CDATA[Nota técnica N° IDB-TN-2070]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[CHESNAIS]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<source><![CDATA[La mundialización financiera. Génesis, costos y desafios]]></source>
<year>1999</year>
<publisher-name><![CDATA[Losada]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[CORREA]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Globalización financiera y exclusión social]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Correa]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Giron]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Del Sur hacia el Norte: Economia politica del orden económico internacional]]></source>
<year>2007</year>
<page-range>141-54</page-range><publisher-name><![CDATA[CLACSO]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[FRENCH]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[LEYSHON]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[WAINWRIGHT]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financializing Space, Spacing Financialization]]></article-title>
<source><![CDATA[Progress in Human Geography]]></source>
<year>2011</year>
<volume>35</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>798-819</page-range></nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[HARVEY]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[Razones para ser anticapitalistas]]></source>
<year>2020</year>
<publisher-name><![CDATA[CLACSO]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[LAI]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[SAMERS]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Towards an economic geography of FinTech]]></article-title>
<source><![CDATA[Progress in Human Geography]]></source>
<year>2020</year>
<volume>45</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>720-39</page-range></nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[LANGLEY]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[LEYSHON]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Platform Political Economy of FinTech: Reintermediation, Consolidation and Capitalisation]]></article-title>
<source><![CDATA[New Political Economy]]></source>
<year>2020</year>
<volume>26</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>376-88</page-range></nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[LUZZI]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La financiarización de los hogares bajo el prisma de otras crisis]]></article-title>
<source><![CDATA[Civitas -Revista de Ciências Sociais]]></source>
<year>2017</year>
<volume>17</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>43-60</page-range></nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[LUZZI]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[SÁNCHEZ]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Cobrar, pagar, transferir en un contexto de aislamiento. Estrategias públicas y privadas sobre el dinero frente a la crisis]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Gutiérrez Cham]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Herrera Lima]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Kemner]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Pandemia y crisis. El Covid-19 en América Latina]]></source>
<year>2021</year>
<publisher-name><![CDATA[Universidad de Guadalajara]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[LUZZI]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[WILKIS]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Bancarización y acceso al crédito]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Piovani]]></surname>
<given-names><![CDATA[J. I.]]></given-names>
</name>
<name>
<surname><![CDATA[Salvia]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[La Argentina en el siglo XXI: cómo somos, vivimos y convivimos en una sociedad desigual]]></source>
<year>2018</year>
<page-range>389-417</page-range><publisher-name><![CDATA[PISAC, Siglo Veintiuno Editores Argentina]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[ORTEGA]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[RADICI]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Marcos Galperin. Soy el primero que espera otro Mercado Libre]]></article-title>
<source><![CDATA[Revista Apertura]]></source>
<year>2018</year>
<numero>300</numero>
<issue>300</issue>
<page-range>39-48</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[PARSERISAS]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[Urbanización y finanzas en la provincia de Buenos Aires: dinámicas contemporâneas de los circuitos de la economia urbana]]></source>
<year>2018</year>
<publisher-name><![CDATA[Universidad de Buenos Aires]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[PIKE]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[POLLARD]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Economic Geographies of Financialization]]></article-title>
<source><![CDATA[Economic Geography]]></source>
<year>2010</year>
<volume>86</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>29-52</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="confpro">
<person-group person-group-type="author">
<name>
<surname><![CDATA[PIRES]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Contel]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[Arroyo]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[A Geografia das Fintech: O novo cenário da disputa pela prestação de serviços financeiros on-line no Brasil]]></source>
<year>2019</year>
<conf-name><![CDATA[ 6°Seminário Internacional Fingeo: Geografia, Finanças e Desenvolvimento Desigual. Caderno de Resumos e Programação]]></conf-name>
<conf-loc> </conf-loc>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SANTOS]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[La naturaleza del espacio. Técnica y tiempo]]></source>
<year>2000</year>
<publisher-name><![CDATA[Razón y emoción. Ariel]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SANTOS]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<source><![CDATA[O Espaço dividido. Os dois circuitos da economia urbana dos paises subdesenvolvidos]]></source>
<year>2008</year>
<publisher-name><![CDATA[Edusp]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="confpro">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SCHIAFFINO]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[PARSERISAS]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[Fenómeno financiero y convergencia tecnológica en los dinamismos de los circuitos de la economia urbana en Argentina]]></source>
<year>2019</year>
<month>,</month>
<conf-name><![CDATA[ VIICongreso Nacional de Geografia de Universidades Públicas]]></conf-name>
<conf-loc> </conf-loc>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SILVEIRA]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A natureza relacional dos circuitos da economia urbana]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Oliveira]]></surname>
<given-names><![CDATA[J. G.]]></given-names>
</name>
</person-group>
<source><![CDATA[Geografia urbana: ciência e ação politica]]></source>
<year>2014</year>
<publisher-name><![CDATA[Editora Consequência]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SILVEIRA]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Buenos Aires en clave de modernidad y pobreza]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Silveira]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
</person-group>
<source><![CDATA[Circuitos de la economia urbana. Ensayos sobre Buenos Aires y São Paulo]]></source>
<year>2016</year>
<publisher-name><![CDATA[Café de las Ciudades]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SILVESTRINI]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[A dias del debut, te contamos todo de Transferencias 3.0: cómo cambiará las formas de pago en Argentina]]></source>
<year>2021</year>
<month>,</month>
<publisher-name><![CDATA[iProUP]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SRNICEK]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<source><![CDATA[Capitalismo de plataformas]]></source>
<year>2018</year>
<publisher-name><![CDATA[Caja Negra Editora]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[WILKIS]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Moral Performativity of Credit and Debt in the Slums of Buenos Aires]]></article-title>
<source><![CDATA[Cultural Studies Cultural Studies]]></source>
<year>2015</year>
<volume>29</volume>
<numero>5-6</numero>
<issue>5-6</issue>
<page-range>760-80</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
