Digital Technologies and Mortgage Performance: An Analysis of the Relationship between Technological Access and Credit Delinquency in Mexico
DOI:
https://doi.org/10.36881/ma.v4i1.1146Keywords:
mortgage loans, digital technologies, INFONAVIT, social housing, non-performing loansAbstract
Research on social housing in Latin America has paid limited attention to the role of digitalization in mortgage management, even though technological platforms have become a key resource for financial inclusion. In this article, the objective was to identify the technological factors associated with the non-performing loan portfolio granted by the National Workers' Housing Fund Institute (INFONAVIT, by its acronym in Spanish) in a region of northern Mexico, with an emphasis on access gaps and their relationship with payment defaults. The research used a quantitative approach by administering a questionnaire to 247 borrowers in regional offices. The overall analysis showed that the use of email and the Mi Cuenta Infonavit application is associated with a higher likelihood of maintaining current loans. In the subgroup of 86 borrowers with past-due loans, 74.4% reported having an email account, 45.3% claimed to know how to use the application, but only 17.4% had it installed, revealing a gap between declared knowledge and effective use. The results of a chi-square test show that digitalization, while a support for credit management, does not in itself guarantee better results. Therefore, it is important to support it with inclusive policies and financial education programs that strengthen the capabilities of borrowers, especially those in the most vulnerable sectors.
Downloads
References
Atuesta, L., Ibarra-Olivo, J., Lozano-Gracia, N., y Deichmann, U. (2018). Access to employment and property values in Mexico. Regional Science and Urban Economics, 70, 142-154. https://doi.org/10.1016/j.regsciurbeco.2018.03.005
Baird-Zars, B. (2023). Making the ropes: How daily practices in a booming periurban municipality become durable 'gray' institutions shaping land use. Land Use Policy, 129. https://doi.org/10.1016/j.landusepol.2023.106604
Banco Interamericano de Desarrollo. (2020, 29 de octubre). At least 77 million rural inhabitants have no access to high-quality internet services. https://www.iadb.org/en/news/least-77-million-rural-inhabitants-have-no-access-high-quality-internet-services
Centro de Investigación para el Desarrollo Sostenible (CIDS) (2018). ¿Qué funciona y que no en vivienda? Instituto del Fondo Nacional de la Vivienda para los Trabajadores (INFONAVIT) y Fundación para la Implementación, Diseño, Evaluación y Análisis de Políticas Públicas, Fundación IDEA, A.C. https://fundacionidea.org.mx/publication_detail/64
Colonello, S., y Dal Borgo, M. (2025). Raising Household Leverage: Evidence from Co-financed Mortgages. SSRN. http://dx.doi.org/10.2139/ssrn.3857163
Ellison-Barnes, A., Moran, A., Linton, S., Chaubal, M., Missler, M., y Pollack, C. (2021). Limited technology access among residents of affordable senior housing during the COVID-19 pandemic. Journal of Applied Gerontology, 40(9), 958-962. https://doi.org/10.1177/07334648211013634
Greene, C. y Hayashi, F., Lloro, A., Shy, O., Stavins, J., Toh, Y. L. (2024). Defining Households that are Underserved in Digital Payment Services. FRB of Boston Working Paper, 24(10), 1-45. http://dx.doi.org/10.29412/res.wp.2024.10
Honecker, F., Chalmers, D., y Anderson, N. (2022, 12 de septiembre). How can new financial technologies help to tackle social exclusion? Economics Observatory. https://tinyurl.com/38yf87zp
Instituto del Fondo Nacional de Vivienda para los Trabajadores (INFONAVIT) (2023). Datos de la Delegación Chihuahua [Datos internos institucionales].
Khan, M. A., Siddique, A., y Sarwar, Z. (2020). Determinants of non-performing loans in the banking sector in developing state. Asian Journal of Accounting Research, 5(1), 135-145. https://doi.org/10.1108/AJAR-10-2019-0080
Martínez-Jiménez, E., Gallo, J., Pérez-Campuzano, E., y Ibarra, A. (2020). The effects of land price in the peri-urban fringe of Mexico City: Environmental amenities for informal land parcel purchasers. Urban Studies, 59(1), 222-241. https://doi.org/10.1177/0042098020960968
Mahyoub, M., y Said, R. M. (2021). Factors influencing non-performing loans: Empirical evidence from commercial banks in Malaysia. Research Journal of Business and Management, 8(3), 160-166. https://doi.org/10.17261/Pressacademia.2021.1448
Medina-Conde, A. L., y Flores-Ilhuicatzi, U. (2019). Argumentación jurídica del derecho humano a la vivienda en México. Revista latinoamericana de derecho social, 1(28), 135-155. https://doi.org/10.22201/iij.24487899e.2019.28.13146
Msomi, T. S. (2022). Factors affecting non-performing loans in commercial banks of selected West African countries. Banks and Bank Systems, 17(1), 1-12. http://dx.doi.org/10.21511/bbs.17(1).2022.01
Naciones Unidas (s.f.). Influencia de las Tecnologías Digitales. UN75. https://www.un.org/es/un75/impact-digital-technologies
Naciones Unidas (2019). The age of digital interdependence. Report of the UN Secretary-General’s High-level Panel on Digital Cooperation. https://www.un.org/en/pdfs/DigitalCooperation-report-for%20web.pdf
Olivares-Aguayo, H., Méndez-Molina, M., y Madrigal-Castillo, E. (2021). Salud financiera en créditos hipotecarios mexicanos. Revista CEA, 7(13), 1-31.
Pardo, M. C. (2006). El proceso modernizador en el Infonavit: resultados y tareas pendientes. En Pardo, M. C. y Velazco-Sánchez, E. (Coords.), El proceso de modernización en el INFONAVIT, 2001-2006: estrategia, redes y liderazgo (pp. 47-56). El Colegio de México.
Peña-Barrera, L., y Sandoval, L. (2017). Ciudad Juárez: Deterioro y abandono de vivienda. Revista Ciudades, 113(27), 28-36. https://tinyurl.com/7zdjpeca
Perry, V. S. y Martin, K. (2023). Algorithms for All Has Digitalization in the Mortgage Market Expanded Access to Homeownership? Joint Center for Housing Studies Harvard University. https://tinyurl.com/ykazywzk
Ramírez-Sierra, G. D., González-Martínez, A. A., Monroy-Cruz, M. A., y Zapata-Barrientos, L. G. (2024). The impact of subsidies on house prices in Mexico's mortgage market for low-income households 2008-2019. Journal of Housing Economics, 63: 101970. https://doi.org/10.1016/j.jhe.2023.101970
Reyes, A. y Reyes-Sánchez, A. (2025). Mexico's mass housing: An underexplored locus of informality. Habitat International, 159, 103373. https://doi.org/10.1016/j.habitatint.2025.103373
Rincón-González, G. E. (2006). La vivienda: un sistema técnico sustentable. Revista de Arquitectura El Cable, 5, 71-82. https://revistas.unal.edu.co/index.php/elcable/article/view/1251
Rodríguez-Reyes, L., Trejo-Pech, C., y Pasillas-Torres, M. (2019). Public policy and its effects on Mexico’s housing industry. International Journal of Housing Markets and Analysis, 12(2), 246-264. https://doi.org/10.1108/ijhma-09-2018-0072
San Juan, G. A., Viegas, G. M., Reynoso, L. E. y Esparza, J. B. (2023). Hábitat popular. Modelo sistémico para abordar una propuesta de solución habitacional y su inserción urbana. Revista de Arquitectura, 25(1), 25-39. https://doi.org/10.14718/revarq.2023.25.4132
Sharma, M. (2024). The impact of science and technology on everyday life. International Journal of Sociology and Political Science, 6(1), 30-33. https://www.sociologyjournal.in/archives/2024/vol6/issue1/6007
Yu, P., Yung, E., Chan, E., Zhang, S., Wang, S., y Chen, Y. (2023). The spatial effect of accessibility to public service facilities on housing prices: Highlighting the housing equity. ISPRS International Journal of Geo-Information, 12(6), 228. https://doi.org/10.3390/ijgi12060228
Zavala Villagómez, M. de la L., García Espinosa, S., y López Paniagua, R. (2018). Retos del financiamiento para la vivienda en México. Revista De Direito Da Cidade, 10(1), 409-429. https://doi.org/10.12957/rdc.2018.32116
Downloads
Published
How to Cite
Issue
Section
Categories
License
Copyright (c) 2025 Yarena Molina Torreblanca, Sonia Esther González-Moreno, Jesús Manuel Palma-Ruiz
This work is licensed under a Creative Commons Attribution 4.0 International License.
The content of the publications is the responsibility of the authors. The journal allows authors to maintain copyright on published articles and documents. The license used is Commons Attribution-NonCommercial International License. CC BY NC
