Inclusión financiera digital como catalizador de innovación, crecimiento económico y sustentabilidad: Un análisis bibliométrico (2014–2024)

Autores/as

DOI:

https://doi.org/10.47909/ijsmc.218

Palabras clave:

bibliometría, análisis de co-palabras, inclusión financiera, inclusión digital, fintech, blockchain, sustentabilidad

Resumen

Objetivo. Este estudio tuvo como objetivo realizar un análisis bibliométrico de palabras clave para identificar los temas estratégicos de la inclusión financiera digital (DFI) y su relación con la sustentabilidad y el crecimiento económico entre 2014 y 2024.

Diseño/Metodología/Enfoque. Se realizó un análisis bibliométrico en el que se analizó una muestra de 1234 artículos académicos indexados en Scopus utilizando la herramienta Bibliometrix en R. Se examinó la coocurrencia de palabras clave mediante un análisis de correspondencias múltiples y un agrupamiento por K-means para evidenciar estructuras temáticas.

Resultados/Discusión. Se identificaron seis clústeres temáticos: (1) efecto umbral, (2) transformación digital, (3) monedas digitales de bancos centrales (CBDC, en inglés), (4) desarrollo sostenible, (5) alfabetización financiera y digital, y (6) fintech. Estos clústeres muestran cómo la DFI evoluciona desde habilitadores tecnológicos (fintech y blockchain) hasta tener un impacto en el desarrollo económico, el crecimiento y la sustentabilidad. A partir de este análisis, se propone un modelo conceptual de DFI en el que la alfabetización digital y las fintech funcionan como habilitadores, las CBDC y la tecnología blockchain como herramientas estructurales, y la DFI como un mecanismo para el desarrollo económico inclusivo.

Conclusiones. Los hallazgos contribuyen a comprender cómo la digitalización financiera se vincula con estrategias de sostenibilidad y crecimiento económico a largo plazo.

Originalidad/Valor. Esta investigación aporta conocimiento a partir de un mapeo bibliométrico integral sobre la DFI, incorporando la literatura sobre sustentabilidad económica e innovación digital. A diferencia de revisiones narrativas o estudios de caso aislados, este enfoque empírico permite visualizar la estructura conceptual del campo y detectar lagunas en la investigación.

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Citas

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Publicado

2025-07-17

Cómo citar

Salazar-Uribe, M. Y., Terán-Bustamante, A., Salgado-García, J. A., & Hernández-Lara, A. B. (2025). Inclusión financiera digital como catalizador de innovación, crecimiento económico y sustentabilidad: Un análisis bibliométrico (2014–2024). Iberoamerican Journal of Science Measurement and Communication, 5(4), 1–16. https://doi.org/10.47909/ijsmc.218

Número

Vol. 5 Núm. 4 (2025)

Sección

Artículo original

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Derechos de autor 2025 Mayra Yvette Salazar-Uribe, Antonia Terán-Bustamante, Jorge Arturo Salgado-García, Ana Beatriz Hernández-Lara

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