Resumen
Nowadays, companies require the use of financial products that support their fluidity to improve their daily operations, that?s why the aim of this article is to explain the usability of financial products in Micro, Small and Medium Enterprises (MSMEs) in Tierra Blanca, Veracruz, Mexico, for the period of November 2019. The methodology has a qualitative approach, using the Delphi method and a sample by cases. The results cited are: the deficient use of financial products, restricted access to credit, due to the policies that each institution pursues, a lack of awareness of the advantages offered by POS and insurance as the least used product. Among the conclusions reached, it is possible to mention that there is a high rate of ignorance of the advantages offered by financial products, there is no real connection between businessmen and bankers, and there is a lack of education and financial culture, it also produces a paradigmatic paralysis that causes fear of migrating to the use of financial products. The study shows the opening of new lines of research in matters of culture and financial education, considering that the existing literature is based on access to financial products and not on the actual use that entrepreneurs make once they obtain them.