<?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>1390-0129</journal-id>
<journal-title><![CDATA[Revista Politécnica]]></journal-title>
<abbrev-journal-title><![CDATA[Rev Politéc. (Quito)]]></abbrev-journal-title>
<issn>1390-0129</issn>
<publisher>
<publisher-name><![CDATA[Escuela Politécnica Nacional]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1390-01292023000200073</article-id>
<article-id pub-id-type="doi">10.33333/rp.vol51n2.07</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Determinantes del Uso de Efectivo en América Latina]]></article-title>
<article-title xml:lang="en"><![CDATA[Determinants of Cash Use in Latin America]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Delgado]]></surname>
<given-names><![CDATA[Olga1]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Barrera]]></surname>
<given-names><![CDATA[Jorge]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Internacional SEK  ]]></institution>
<addr-line><![CDATA[Quito ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Escuela Superior Politécnica del Ejército  ]]></institution>
<addr-line><![CDATA[Quito ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>07</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>07</month>
<year>2023</year>
</pub-date>
<volume>51</volume>
<numero>2</numero>
<fpage>73</fpage>
<lpage>86</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_arttext&amp;pid=S1390-01292023000200073&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_abstract&amp;pid=S1390-01292023000200073&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_pdf&amp;pid=S1390-01292023000200073&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: Este documento caracteriza el uso de efectivo en América Latina. Se utilizó la encuesta Global Findex, base de datos del Banco Mundial, para modelar la influencia de diversos factores en la probabilidad de uso de efectivo, mediante un modelo de regresión binaria. El principal hallazgo es que la población femenina, con educación básica, en condiciones de pobreza y desempleo es más propensa a utilizar efectivo en sus transacciones, es decir, que el grado educativo, el nivel de ingresos y el empleo formal influyen en el uso de efectivo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: This document characterizes the use of cash in Latin America. We use the World Bank database, the Global Findex survey, to model the influence of various factors on the probability of the use of cash, through a binary regression model. The main finding is that the female population, with basic education, in conditions of poverty and unemployment, is more likely to use cash in their transactions, meaning that educational level, income level and formal employment influence the use of cash.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Dinero en efectivo]]></kwd>
<kwd lng="es"><![CDATA[modelo Probit]]></kwd>
<kwd lng="es"><![CDATA[Global Findex]]></kwd>
<kwd lng="en"><![CDATA[Cash]]></kwd>
<kwd lng="en"><![CDATA[Probit model]]></kwd>
<kwd lng="en"><![CDATA[Global Findex]]></kwd>
</kwd-group>
</article-meta>
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