<?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>1900-3803</journal-id>
<journal-title><![CDATA[Entramado]]></journal-title>
<abbrev-journal-title><![CDATA[Entramado]]></abbrev-journal-title>
<issn>1900-3803</issn>
<publisher>
<publisher-name><![CDATA[Universidad Libre de Cali]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1900-38032025000100007</article-id>
<article-id pub-id-type="doi">10.18041/1900-3803/entramado.1.12332</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Digital financial inclusion in Latin America: An application of classification models]]></article-title>
<article-title xml:lang="es"><![CDATA[Inclusión financiera digital en América Latina: una aplicación de modelos de clasificación]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Orazi]]></surname>
<given-names><![CDATA[Sofia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Martinez]]></surname>
<given-names><![CDATA[Lisana B.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vigier]]></surname>
<given-names><![CDATA[Hernán Pedro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Católica del Norte  ]]></institution>
<addr-line><![CDATA[Coquimbo ]]></addr-line>
<country>Chile</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional del Sur  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Nacional del Sur  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Argentina</country>
</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>21</volume>
<numero>1</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S1900-38032025000100007&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S1900-38032025000100007&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S1900-38032025000100007&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Digital financial inclusion is crucial for economic and social development in Latin America, where access to basic financial services is limited and the informality in the economy has ever been reluctant to decrease. This paper uses a novel methodology for classified individuals according to whether they have a mobile account (also known as e-wallets) based on their socio-economic characteristics, the holding of other instruments, and the country of origin among four Latin American nations (Argentina, Brazil, Colombia, and Peru) in 2021. Mobile accounts foster inclusive growth and reduce transaction costs and geographical constraints and were boosted in the post pandemic era. The objective is to identify the most relevant attributes of mobile account ownership, in order to improve digital financial inclusion. For the classification, the results highlight age and income as relevant but also owning a debit card, accessing the internet at home, and having saved in the last year as significant factors regardless the country of origin (meaning that they are very alike) or typically relevant attributes for traditional finance like education or gender.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La inclusión financiera digital es crucial para el desarrollo económico y social en América Latina, donde el acceso a los servicios financieros básicos es limitado y la informalidad en la economía ha mostrado una persistente resistencia a disminuir. Este artículo utiliza una metodología novedosa para clasificar a las personas según tengan o no una cuenta móvil (también conocida como billetera electrónica) en función de sus características socioeconómicas, la tenencia de otros instrumentos y el país de origen entre cuatro naciones latinoamericanas (Argentina, Brasil, Colombia y Perú) en 2021. Las cuentas móviles fomentan el crecimiento inclusivo y reducen los costos de transacción y las restricciones geográficas. El objetivo es identificar los atributos más relevantes de la titularidad de una cuenta móvil, con el fin de mejorar la inclusión financiera digital. Para la clasificación, los resultados destacan la edad y los ingresos como factores relevantes, pero también la posesión de una tarjeta de débito, el acceso a internet en el hogar y el haber ahorrado en el último año como factores significativos independientemente del país de origen (lo que significa que son muy similares) o atributos típicamente relevantes para las finanzas tradicionales como la educación o el género.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[Latin America]]></kwd>
<kwd lng="en"><![CDATA[classification trees]]></kwd>
<kwd lng="es"><![CDATA[Inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[América Latina]]></kwd>
<kwd lng="es"><![CDATA[árboles de clasificación]]></kwd>
</kwd-group>
</article-meta>
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