Overview
- - The SHCP, CNBV and Banxico presented the 2025–2030 policy with 125 lines of action focused on formal savings, access to financing, wider use of non‑cash payments, and insurance.
- - Authorities acknowledged low usage and distrust despite high product ownership, noting that less than a third save formally and only about four in ten report making transfers.
- - The Banamex Index shows digital openings jumping from 2.7% in 2021 to 10.3% in 2024 and mobile‑banking contracts expanding by more than 500% since 2017.
- - Physical access keeps shrinking, with bank branches down 16% from 2017 to 2024 and nearly 1,000 closures in 2023, while ATM expansion has stalled.
- - Inclusion remains uneven: Mexico City leads as Chiapas, Oaxaca and Guerrero lag, 1,622 municipalities rate low or very low, and Banco del Bienestar’s 3,262 branches boost access but with limited products for deeper inclusion.