Economías del futuro

Sobre el Grupo

Es un grupo de investigadores que se encargan de hacer investigación multidisciplinaria sobre las dimensiones sociales de los problemas contemporáneos que afectan el desarrollo. Las investigaciones que se realizan ayudan a las agencias internacionales, gobiernos locales y federales y académicos a entender mejor como los procesos de cambio económico, social y del medio ambiente afectan a los hogares y diferentes grupos sociales.

Es un hecho estilizado que México no ha alcanzado el crecimiento económico deseado dado su potencial, así como tampoco ha logrado erradicar la pobreza y la disminución en las desigualdades, sea del ingreso o de las oportunidades de vida de los mexicanos al nacer.
Las áreas del grupo están orientadas a interpretar la realidad y a proponer políticas públicas que incrementen las posibilidades de éxito de un desarrollo económico y social sustentables.

Por ello, la Escuela ha introducido en este grupo un área donde se estudie, evalúe y dé seguimiento a la evolución de las metas de los Objetivos de Desarrollo Sostenible.
Se han desarrollado contribuciones de evaluación de impacto de políticas públicas, se ha propuesto sustentabilidad de la provisión del agua en la nación y medidas para combatir la obesidad, entre muchas otras. La Escuela seguirá impulsando todo lo relativo a un análisis riguroso del desarrollo económico.

Líneas de investigación

• Análisis de la política pública a través de la medición del impacto económico de la educación, la salud, migración y el cambio climático.
• El estudio de las finanzas públicas en términos de impuestos, gasto público y programas sociales.
• Las causas y las consecuencias de la corrupción y el crimen.

Líder

Rocío García Díaz - rociogarcia@tec.mx

Miembros

Adan Silverio Murillo
Amado Villarreal González
Bonnie Jo Palifka
Carlos Brambila Paz
Carlos Manuel Urzúa Macías
Daniel Andres Prudencio Cspek
Edgardo Arturo Ayala Gaytán
Gustavo Adolfo Merino Juárez
Héctor Juan Villarreal Páez
Héctor Rodríguez Ramírez
Hugo Javier Fuentes Castro
Isael Fierros Gonzalez
Ismael Aguilar Barajas
Jorge Aurelio Ibarra Salazar
José de Jesús Salazar Cantú
José Jorge Mora Rivera
Luis Fernando Castro Peñarrieta
Macario Schettino Yáñez
Miguel Alejandro Flores Segovia
Pablo De la Peña Sánchez
Rocío García Díaz
Saidi Magaly Flores Sánchez
Sandra Edith Medellín Mendoza
Vidal Garza Cantú
Zack Dustin Zimbalist

Publicaciones más relevantes

• [2022] The Impact of the COVID-19 Recession on Mexican Households: Evidence from Employment and Time Use for Men, Women, and Children with Lauren Hoehn-Velasco, Jose Roberto Balmori de la Miyar, and Jacob Penglase. Accepted: Review of Economics of the Household

• [2022] Remittances and Domestic Violence with Jose Roberto Balmori de la Miyar. Accepted: Review of Development Economics

• Palifka, Bonnie & Rose-Ackerman, Susan. (2019). Corrupción y Gobierno: Causas, Consecuencias y Reformas.

• The role of online seller reviews and product price on buyers' willingness-to-pay: a risk perspective. J Wu, EAA Gaytán - European Journal of Information Systems, 2013.

• El ingreso familiar como determinante de la asistencia escolar de los jóvenes en México. GL Mancha Torres, EA Ayala Gaytán - Problemas del desarrollo, 2020.

• Macías, Alejandra & Villarreal, Hector. (2018). Public Spending Sustainability: Coverage and Financing of Chronic Diseases in Mexico. Ensayos Revista de Economía. 37. 99-133.

• Chávez Elorza, Mónica Guadalupe & Gaspar Olvera, Selene & Ramírez, Héctor. (2018). El bienestar social de la niñez mexicana según vínculos migratorios internacionales: una aproximación. región y sociedad. 30. 10.22198/rys.2018.72.a839.

• Khodadad, Mina & Sanei, Mohsen & Narvaez-Montoya, Christian & Aguilar-Barajas, Ismael. (2022). Climatic Hazards and the Associated Impacts on Households’ Willingness to Adopt Water-Saving Measures: Evidence from Mexico. Sustainability. 14. 10.3390/su14105817.

• Ibarra-Salazar, Jorge & Sotres, Lida. (2021). El efecto de la frontera en la recaudación del impuesto predial. Estudios Demográficos y Urbanos. 36. 347. 10.24201/edu.v36i2.1904.

• Salazar, José & Arenas, Laura. (2015). Un modelo económico de felicidad y su evidencia para México. (An economic happiness model and its evidence for Mexico). Revista de Estudios Sociales. 24. 149-179.

• The impact of remittances on food insecurity: Evidence from Mexico. J Mora-Rivera, E van Gameren - World Development, 2021

• Garcia-Diaz, Rocio. (2022). Effective access to health care in Mexico. BMC Health Services Research. 22. 10.1186/s12913-022-08417-0.

Proyectos más relevantes

• Remittances and domestic violence
Líder: Adan Silverio
Estudiar los efectos de las remesas en violencia doméstica. El paper ha sido publicado y apareció en algunos periódicos como Reforma.

• Estimación de flujos estatales origen-destino de remesas entre Estados Unidos y México
Líder: Miguel Flores
This research estimates an "Origin-Destination Matrix of Remittances by U.S. State and Mexican State". This matrix represents the amount of remittances from the sending state i in the United States to the receiving state j. The flows are estimated at quarterly and yearly basis for the years 2018 to 2021.

• Evaluación de impacto del programa JOVEN de ANSPAC
Líder: José de Jesús Salazar Cantú
Estimar el impacto producido por el programa JOVEN de ANSPAC en los aspectos del desarrollo juvenil positivo de sus participantes.

• Análisis de protección financiera con datos longitudinales en cinco países africanos.
Líder: Rocio García Díaz
Realizar mediciones de cronicidad en gastos de salud privados utilizando paneles de datos. Estimar los determinantes y el impacto en la distribución del gasto cuando un hogar enfrenta gastos catastróficos crónicos.

• Sistema de Información Económica con Perspectiva de Género para México
Líderes: Grissel Olvera y Edgardo Ayala
Se están construyendo matrices insumo-producto y de Contabilidad Social para México con perspectiva de género, esto implica la desagregación de masa salarial por género y la contabilización del trabajo reproductivo, también por género

Vinculación empresarial

- José de Jesús Salazar Cantú
Proyecto realizado bajo el patrocinio de FEMSA y en conjunto con ANSPAC.
Se tiene vinculación en proyectos de investigación evaluativa de impacto de programa sociales con: Secretaría de Igualdad e Inclusión de Nuevo León (estancia de investigación en marcha); Villas asistenciales Santa María A.B.P. (con alumnos de la clase de Seminario de Economía Mexicana en marcha); Instituto Nuevo Amanecer A.B.P. (Propuesta de estancia de investigación feb-jun 2023); Techo A.C. (Propuesta de estancia de investigación feb-jun 2023); Ciudad de los Niños A.B.P. (En pláticas de inicio de proyecto sept 28, 2022)

Organizational Strategy and Industries Transformation

About the Group

This group provides evidence for how organizational strategy models, the management of value chains, the digital transformation of companies, and the dynamics of business families are fundamental elements for designing and implementing strategies and leveraging opportunities in the "new normal."

Research lines

• Digital value chain innovation
• Business Optimization Models
• Sustainable value chain design
• Evolution of business models through digital transformation
• Strategic definition in highly volatile environments
• Measuring the digital maturity of organizations
• Digital transformation of value chains
• Digital transformation of the retail industry
• Digital transformation of the financial industry
• Governance
• Growth
• Intergenerational strategies
• Legacy
• Retail experience and customer journey
• Retail frontline management
• New competitors and business models
• Retail format innovation and atmospherics
• Impact of technology on retail
• Sustainable retailing
• Retail metrics and analytics

Leader

Osmar Zavaleta Vázquez - ozavaleta@tec.mx

Members of the thematic area Transdisciplinary Value Chain Analysis

Federico Trigos (Leader)
Eduardo Armando
Evodio Kaltenecker Retto De Queiroz
Federico Trigos Salazar
Francisco Javier Valderrey Villar
Pablo Pérez Akaki

Members of the Organizational Strategy thematic area

Andreas Hartmann (Leader)
Camilo Alberto Castro Gama
Jesús Cuauhtémoc Téllez Gaytán
Julio César Martínez Suárez
Laura Esther Zapata Cantú
Mauricio Cervantes Zepeda
Miguel Angel Montoya Bayardo
Mauro Rodríguez Marín
Raúl Francisco Montalvo Corzo
Regina Gabriela Díaz Creso
Ricardo Buitrago
Rodrigo Eugenio Ortiz Fernández
Sandra Maycotte Felkel

Members of the thematic area Family Businesses

Edgar Ramírez (Leader)
Alberto Daniel Malpica Romero
Aurora Correa Flores
David Salvador Xotlanihua González
Delia Lizette Huezo Ponce
Edgar Rogelio Ramírez Solís
Fernando Sandoval Arzaga
Jorge Eduardo Gómez Villanueva
Marcia Lorena Rodríguez Aldana
María Francisca Fonseca Paredes
Paul Alejandro Delgadillo Fabián
Tonatiuh Najera Ruiz
Verónica Ilián Baños Monroy

Members of the thematic area Transformation of Retail Industry

Edgar Ramírez (Leader)
Alfonso Valdez Cervantes
Ana Dolores Franco Valdez
Ana Valeria Calvo Castro
Emma García Valenzuela
Francisco Jesús Guzmán Martínez
Gustavo César Martínez Lira
Ma Margarita Orozco Gómez
María Andrea Trujillo León
Maria Elena Vazquez Lira
María Lucila Osorio Andrade
Martha Isabel Arévalo Luna

Estrategia organizacional y transformación de industrias

Sobre el Grupo

Aportar evidencia que respalde la forma en que los modelos de estrategia organizacional, la administración de las cadenas de valor, la transformación digital de las empresas, y las dinámicas de las familias empresarias, son elementos fundamentales para diseñar e implementar una estrategia y para poder aprovechar las oportunidades en la nueva normalidad.

Líneas de investigación

• Innovación digital de cadenas de valor
• Modelos de Optimización para negocios
• Diseño de cadenas de valor sostenible
• Evolución de modelos de negocio mediante la transformación digital
• Definición estratégica en entornos de alta volatilidad
• Medición de la madurez digital de las organizaciones
• Transformación digital de cadenas de valor
• Transformación digital de la industria del comercio al detalle
• Transformación digital de la industria financiera
• Gobernanza
• Crecimiento
• Estrategias intergeneracionales
• Legado
• Retail experience & customer journey
• Retail frontline management
• New competitors and business models
• Retail format innovation & atmospherics
• Impact of technology in retail
• Sustainable retailing
• Retail metrics & analytics

Líder

Osmar Zavaleta Vázquez - ozavaleta@tec.mx

Miembros del área temática Análisis Transdisciplinar de Cadenas de Valor

Federico Trigos (Líder)
Eduardo Armando
Evodio Kaltenecker Retto De Queiroz
Federico Trigos Salazar
Francisco Javier Valderrey Villar
Pablo Pérez Akaki

Miembros del área temática Estrategia Organizacional

Andreas Hartmann (Líder)
Camilo Alberto Castro Gama
Jesús Cuauhtémoc Téllez Gaytán
Julio César Martínez Suárez
Laura Esther Zapata Cantú
Mauricio Cervantes Zepeda
Miguel Angel Montoya Bayardo
Mauro Rodríguez Marín
Raúl Francisco Montalvo Corzo
Regina Gabriela Díaz Creso
Ricardo Buitrago
Rodrigo Eugenio Ortiz Fernández
Sandra Maycotte Felkel

Miembros del área temática Empresas Familiares

Edgar Ramírez (Líder)
Alberto Daniel Malpica Romero
Aurora Correa Flores
David Salvador Xotlanihua González
Delia Lizette Huezo Ponce
Edgar Rogelio Ramírez Solís
Fernando Sandoval Arzaga
Jorge Eduardo Gómez Villanueva
Marcia Lorena Rodríguez Aldana
María Francisca Fonseca Paredes
Paul Alejandro Delgadillo Fabián
Tonatiuh Najera Ruiz
Verónica Ilián Baños Monroy

Miembros del área temática GAT Transformación de la Industria del Comercio al Detalle

Edgar Ramírez (Líder)
Alfonso Valdez Cervantes
Ana Dolores Franco Valdez
Ana Valeria Calvo Castro
Emma García Valenzuela
Francisco Jesús Guzmán Martínez
Gustavo César Martínez Lira
Ma Margarita Orozco Gómez
María Andrea Trujillo León
Maria Elena Vazquez Lira
María Lucila Osorio Andrade
Martha Isabel Arévalo Luna

Built Environment

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Tec21 Model: Tec challenges you

Our challenge-based educational model develops the competencies that will enable you to face up to the opportunities and challenges of the 21st century creatively and strategically.

With an education that will accompany you throughout your life, our aim is for you to be aware of the needs of the environment, acquire a systemic vision of problems and develop the capacity to solve them.

Right from the first semester, you will be participating in activities to develop your capacity to identify opportunities, find resources, take risks and recover from failure.

In addition, the model empowers you to make more decisions about your university studies as you progress, in order to develop a unique profile.

¿Qué es un Reto?

Es una oportunidad para aprender algo nuevo y afianzar lo que ya sabes. Para resolverlo requieres esforzarte, investigar e interactuar en el“mundo real”. No lo concretas solo: cuentas con un kit de recursos y herramientas personales y tecnológicas, así como con la asesoría de profesores que te acompañan en el proceso. Su resolución implica un cierto grado de dificultad y una duración que despierta el interés, entusiasma y provoca tu sentido de logro.

What is a challenge?

A challenge is an opportunity to learn something new and reinforce what you already know. To solve it, you need to apply yourself, investigate and interact in the “real world”. You won’t be on your own: you will have a set of personal and technological resources and tools, as well as the advice of faculty who will accompany you throughout the process. Its resolution implies a certain degree of difficulty and a duration that will awaken your interest and enthusiasm and produce a sense of achievement.

What will I learn?

Competencies that make you unique

The three stages of the model

Acquire the basic knowledge of your area and face challenges to reinforce this knowledge.

Develop the competencies relevant to your degree through more focused courses and challenges.

Give a personal touch to your degree program through specialization within or outside your discipline.

Syllabus

Built Environment

May our dreams inhabit us

At present, over half the population lives in cities and by 2050 this figure will have reached 70 %.

As global urbanization continues to grow, the challenges of orderly, sustainable and inclusive urban development grow day by day. Cities drive the economies, regional development, innovation, job creation and, consequently, social wellbeing of the leading countries. Therefore, it is crucial for cities to enhance their inhabitants’ quality of life by respecting the environment, while fomenting sustainable economic development.

As part of the area of Built Environment, students will not only understand the factors that determine the development of cities in their diverse scales, but also be capable of analytically and systemically tackling the urban challenges of the future, through multidisciplinary collaboration with other areas of knowledge.

This is how you learn through Tec Weeks

Tec Weeks, an intensive pause for your comprehensive growth

Every semester will be interspersed with Tec Weeks, specifically aimed at purposefully developing your competencies for life, such as social intelligence, commitment to ethics and citizenship, communication and entrepreneurship, among others. The better you know yourself, the more you will grow.

El bailarín "impostor" que fue el coreógrafo ganador de VIBRART 2025

VIDEO: Así se vivió VIBRART 2025, el festival nacional de arte del Tec

25 jóvenes artistas que brillaron en el festival del Tec VIBRART 2025

El joven que pasó de audicionar por una beca a cantar con artistas top

Health Sciences

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Tec Model: Tec challenges you

Our educational model develops skills that will allow you to face current and future challenges.

It is challenging. Through challenging experiences, promote your ability to solve problems and visualize opportunities. Forge in you the character to lead and undertake, as well as the resilience to persevere, in addition to enhancing your integral development and your commitment to build a better world.

It is flexible in what, how, when and where you learn. Our model empowers you from the beginning so that you are the one who traces your path and builds your own graduation profile, aligning what you need with what you are interested in learning and preparing yourself for the challenges of the environment.

What will I learn?

Competencies that make you unique

The three stages of the model

Acquire the basic knowledge of your area and face challenges to reinforce this knowledge.

Develop the competencies relevant to your degree through more focused courses and challenges.

Give a personal touch to your degree program through specialization within or outside your discipline.

Syllabus

Health Sciences

The more you can do, the more you can give

Reinventing wellness

This area has evolved at lightning speed over the past few years, increasing, for example, the use of robotics in surgery, introducing preventive medicine and incorporating more bionic technology in our bodies.

Moreover, trends go beyond the crucial task of alleviating and improving people’s quality of life, with one of the priorities being what is known as delayed aging: tools and services that seek to help us feel better for longer and delay the aging process.

All of these transformations imply challenges, opportunities and, of course, new professional profiles. On entering this area, students will have a holistic vision of human beings and seek to have a positive impact on their wellbeing.

Know the programs

The Educational Model of the School of Medicine and Health Sciences

The Educational Model of the School of Medicine and Health Sciences is based on Patient-Centered Learning, which seeks to understand the patient as a person, considering their individuality, structure of meanings and context from human, biomedical and management perspectives in order to attend systematically to their health needs and generate entrepreneurship in innovative changes that favor their reality and that of people in equivalent circumstances.

El Modelo Educativo de la Escuela de Medicina y Ciencias de la Salud

El EXATEC que integra IA en el análisis de emociones y enfermedades

5 claves para que la actividad física sea herramienta para la salud

Hospital Zambrano Hellion, premiado por tratar insuficiencia cardiaca

¿Violencia en la relación de pareja? Identifica síntomas y cómo sanar

LEM

B.A. in Marketing

Consumer knowledge innovation, visibility and differentiation

In an intensely competitive world in which product and service offerings are practically infinite, selecting markets that will be sources of maximum growth and developing value proposals is of utmost importance. In BA in Marketing, you will be able to develop innovative, sustainable strategies that reflect an in-depth knowledge of consumer needs, building brand differentiation possibilities that can be executed in the current context of digitization and omnichannel retailing.

Career field

With these skills, you will be ready to explore and propose solutions to organizations’ marketing problems. On graduating from B.A. in Marketing, you will be able to work in diverse areas, such as:

Consumer goods producers
World-class integrated business consulting firms
Specialized market research agencies
Advertising, communication and public relations agencies
Marketing firms for the intelligent industry
Service and manufacturing companies

Is this right for you?

With these skills, you will be ready to explore and propose solutions to organizations’ marketing problems. On graduating from B.A. in Marketing, you will be able to work in diverse areas, such as:

Competencies

B.A. in Marketing

The three stages of the model
Choose your path

Exploration

You will open your competency file and add to it throughout your degree program.
You will learn the foundations of the area of Business.
You will participate in fundamental and exploration challenges from the area of Business, interacting with peers from different degree programs.
You will study general education courses, selecting them from a collection.
You will participate in a challenge that integrates all the competencies to be developed in this phase.

Focus

You will acquire the core competencies of your degree, in other words, those that distinguish it.
You will participate in more focused challenges to reinforce what you have learned and broaden your basic knowledge.
You will have the elements to decide whether to deepen your knowledge or diversify and, subsequently, build your specialization plan.
The Tec Weeks, challenges and overall university experiences will enrich your file.

Specialization

You have decided between diversifying or focusing deeply in your major, which you will achieve by choosing a concentration or a stay, to name a few of your options. The TEC Semester is a flexible time to start.
You will develop the competencies related to your specialization, increasingly connected to your passions, interests and plans.
By passing a concentration, you will develop your competencies, and, on graduating, will be a candidate for obtaining a Diploma in that concentration, after meeting the established requirements.

Concentraciones

How can you specialize?

Concentrations

Specialize in one of the different concentrations available at the campus of your choice, according to the profile you would like to develop.

Internships

Internships allow you to participate in the development of specific projects with companies, organizations, or research groups, in a context of total immersion related to a specialty field. They can be carried out locally, nationally or internationally.

International experiences

Experience life outside Mexico to broaden your horizons and delve into the topics of your interest.

Courses or blocks

Choose the education units that best adapt to your objectives, enabling you to specialize in your specific interests.

Concentrations

Disciplinary

Delve into your field of study

Advertising: Creative Strategy and Production
Arts and Tech Incubator
Business Analytics: from Data to Decisions
City Development
Cognitive Neuroscience
Digital Innovation for Experience Creation and Management
Driving Global Business Across Frontiers
Entrepreneurship in the Creative and Cultural Industries
Innovation and Digital Transformation
Learning Experience Innovation and Design Management
Open Innovation and Technology Transfer
Social Media and Digital Strategy
Strategic Communication
Strategic Management of Omnichannel Retail

Transversal

Delve into other fields of study

Conscious Business
Data Analytics and Artificial Intelligence Tools
Design, Innovation and Technological Entrepreneurship
Entrepreneurial Families, Sustainability and Transcendence
Entrepreneurship in Action
Government and Public Transformation
Mexican Culture
Quality of Life and Well-Being
Social Innovation

*These concentraciones are not the definitive offer and their availability varies by campus.

B.A. in Marketing Syllabus

Plan de Estudios Licenciado en Mercadotecnía

General education course

Area exploration courses

Introductory block (CHALLENGE)

Area exploration block (CHALLENGE)

Exploration topic (CHALLENGE)

Track integrating block (CHALLENGE)

Disciplinary course

Disciplinary block (CHALLENGE)

Integrating disciplinary block (CHALLENGE)

TEC Semester

Multidisciplinary professional elective (CHALLENGE)

Final integrating block (CHALLENGE)

Download the area infographic

LEM Infographic

LEM

Primer Semestral

Business Role in Society

Business Leadership

Financial Analysis

Enterprise Economy

Elective Course Mathematics and Science

Financial Decision

Mathematical Thinking

Business Globalization

Strategy and Talent

Business Programming

Segundo Semestral

Business communication

Decision Support Analysis

Statistics for business

Financial Management

Business Law

Elective Course Humanities and Fine Arts

Creating Prototypes

Business Model Innovation

Marketing Insight to Develop Strategies

Talent Management Process

Tercer Semestral

Sharing Value Creation

Financial Planning Strategy

Elective Course Social and Behavioral Sciences

Business Innovation Project

Investment Project Evaluation

Market Solutions

Market Strategies and Differentiation

International Competency

Culture, Organization and Human Talent

Exploration Topic

Cuarto Semestral

Elective Course Leadership, Entrepreneurship and Innovation

Consumer Intelligence for Insights Generation

Exploratory Market Intelligence

Segmentation and Positioning of Value Strategies

Competitive Market Definition

Design of Marketing Metrics

Holistic View of the Consumer

Quinto Semestral

Elective Course Ethics and Citizenship

Development Brands

Design of Omnichannel Experiences

Sustainable Management of Marketing Projects

Design of Internal marketing strategies

Price Optimization and Supply Chain

Sexto Semestral

Professional Elective I

Professional Elective II

Professional Elective III

Professional Elective IV

Professional Elective V

Professional Elective VI

Séptimo Semestral

Octavo Semestral

Marketing Leadership I

Marketing Leadership II

Elective Multidisciplinary Professional

Related programs

BGB - Bachelor in Global Business

BBA - B.A. in Strategy and Business Transformation

LAF - B.A. in Financial Management

LCPF - B.A. in Finance & Accounting

LDE - B.A. in Entrepreneurship

LDO - B.A. in Human Resource Management

LIN - B.A. in International Business

LIT - B.S. in Business Intelligence

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LCPF

Licenciatura en Contaduría Pública y Finanzas

Valora la estrategia

Los negocios a nivel global están en constante transformación, generando nuevos retos en las organizaciones. Para hacer frente a ellos, se requiere de Licenciados en Contaduría y Finanzas capaces de evaluar las oportunidades de crear valor, garantizando la salud financiera y la sostenibilidad, emitiendo recomendaciones en materia financiera, fiscal, administrativa y de riesgos, para así impulsar la estrategia corporativa.

¿En qué podrás especializarte?

Gracias al modelo educativo, podrás personalizar tu perfil de egreso dentro de la carrera de Contaduría y Finanzas. Durante la etapa de especialización considera una acentuación con base en tus planes al egresar. El Tec te ofrece la manera de lograrlo a través de las siguientes concentraciones*:

Análisis Financiero
Impuestos y Estrategia de Negocios
Procesos de Aseguramiento y Gestión de TI
Instituciones Financieras
Optimización de Procesos y Costos
Finanzas Bursátiles

* Estas concentraciones no son la oferta definitiva y su disponibilidad varía en cada campus.

Campo Laboral

Con estas habilidades, harás frente a los retos de información financiera, finanzas y gobierno corporativo más importantes de las organizaciones. Al egresar de la Licenciatura en Contaduría y Finanzas podrás desempeñarte en:

Empresas y organismos sociales y públicos
Firmas consultoras a nivel internacional en servicios de información financiera
Consultoría independiente