Del billete infalsificable a la aplicación digital: la evolución del sistema de pagos en México

From counterfeit-proof banknotes to digital apps: the evolution of Mexico’s payment system

Bernardo Batiz-Lazo

MPRA Paper from University Library of Munich, Germany

Abstract: Abstract This paper explores the evolution of the payment system in Mexico, highlighting the role of the Bank of Mexico in its modernisation. It is clear that the way in which we make our purchases has changed significantly since the creation of the Royal Mint in 1535 up to the introduction of CoDi in 2019. The Bank of Mexico, founded in 1925, has been a cornerstone of this transformation, implementing advanced technologies such as magnetic ink character recognition (MICR) in 1984 and the Interbank Electronic Payments System (SPEI) in 2004. This paper analyses how these innovations have improved the efficiency, security and accessibility of the payment system, benefiting the Mexican population and strengthening the national economy. Resumen Este artículo explora la evolución del sistema de pagos en México, destacando el papel del Banco de México en su modernización. Es patente que la forma en que realizamos nuestras compras se ha transformado desde la creación de la Casa de Moneda en 1535 hasta la introducción de CoDi en 2019. El Banco de México, fundado en 1925, ha sido un pilar en esta transformación, implementando tecnologías avanzadas como el reconocimiento de caracteres por tinta magnética (MICR) en 1984 y el Sistema de Pagos Electrónicos Interbancarios (SPEI) en 2004. Este trabajo analiza cómo estas innovaciones han mejorado la eficiencia, seguridad y accesibilidad del sistema de pagos, beneficiando a la población mexicana y fortaleciendo la economía nacional.

Keywords: financial technology; payment system; central bank; Mexico tecnología financiera; fintech; sistema de pagos; banco central; México. (search for similar items in EconPapers)
JEL-codes: G2 M1 M2 N1 N2 N8 O33 (search for similar items in EconPapers)
Date: 2025-10
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