Título en español: La introducción de cuentas básicas en México para enfrentar el problema de acceso al sistema bancario: diseño e impacto esperado.

Bibliografía p. 74.

This article presents the Mexican experience with the introduction of basic transaction accounts. Basic accounts are relatively cheap simple banking products with restricted functionality targeted at social groups that have limited access to transaction accounts. In Mexico, basic payroll accounts and accounts for the general public were introduced. By law, these products must be offered by all institutions engaged in receiving deposits and withdrawals, and balance inquiry and account opening fees may not be charged. This article analyzes the potential impact of the introduction of these products by estimating the access frontier using MxFLS data. It has been estimated that there are approximately 10 million potential basic account holders. For basic payroll accounts, it has been estimated that over 5 million individuals could benefit. Finally, this article presents lessons from international cases as well as from the Mexican experience with the introduction of basic accounts, which could be useful to other countries.

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