<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://www.elfinancierocr.com/lab-de-ideas/agentes-de-ia-que-si-resuelvan-las-necesidades-de/ASBADOQI55HCXNXTWUKJSQCNKE/story/</loc><lastmod>2026-09-07T21:51:45.453Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/LH6KVUREDZFGFM2YLE2EZNJYDY.JPG?auth=bd9ca3d74de4b98119ee3b50ef600f65d25c2308c6fc17ca618a829b770fec5b&amp;smart=true&amp;width=4176&amp;height=2784</image:loc><image:caption><![CDATA[El Salesforce Innovation Day Centroamérica 2026 reunió a líderes empresariales y expertos del ecosistema de Salesforce para hablar sobre automatización real y empresas agénticas.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/finanzas/coopenae-y-coopeande-los-principales-indicadores/JGEZBQ3Q4RBYDEZLZU4L2XPTYU/story/</loc><lastmod>2026-09-07T20:59:45.179Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/XVDQRBURXBGFTHMROL5JDZ2ZJU.png?auth=f879a00508509dad534161a933e898af3110ed00f43e9239ff373f1a6aaeddfd&amp;smart=true&amp;width=3840&amp;height=2160</image:loc></image:image></url><url><loc>https://www.elfinancierocr.com/finanzas/sugef-se-pronuncia-sobre-intencion-de-coopenae-de/VWP5VLIJ6BEQRIMCMXZ6XJD3II/story/</loc><lastmod>2026-09-07T20:33:51.439Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/PV4TKP37MNHJ3FE6YVBV4KDCE4.jpg?auth=dc43e6d6951f37c1f3fb276e57ccdcd03f06996c77b77908a0c281b4eedf2af3&amp;smart=true&amp;width=2117&amp;height=1512</image:loc><image:caption><![CDATA[Hazel Valverde asumió la Superintendencia General de Entidades Financieras (Sugef) el 21 de febrero de 2024, tras su paso por la gerencia del Banco Central de Costa Rica. En entrevista con 'La Nación', la jerarca habló sobre su relación con la banca y sobre la supervisión financiera.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/finanzas/hacienda-cobrara-13-de-iva-a-usuarios-que-paguen/6ES267IZKZEHDHMNM2QZ3CIPDI/story/</loc><lastmod>2026-09-07T20:16:39.153Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/MC5RFBLHJBAH3IOUUDJ2NI3FJ4.png?auth=a483913ea64de9493614eba92bf95dd39d2b30283c3a5a2a71c9b5567235f6ea&amp;smart=true&amp;width=1200&amp;height=628</image:loc><image:caption><![CDATA[Hacienda amplió a 181 los proveedores de servicios digitales sujetos al IVA. ChatGPT, Grok, TikTok y Booking.com están entre los nuevos incluidos.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/finanzas/coopenae-y-coope-ande-anuncian-plan-de-union-entre/Q3GCBFGFDJA7XNIWNHVQURPT4Q/story/</loc><lastmod>2026-09-07T20:12:55.699Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/4LJDXU6NGVAWTLCVKFMNCYYIZQ.jpg?auth=88f8aee7ed4eb0aca82b3c1fb938e36a6f10650bac978e4389c49b866168e525&amp;smart=true&amp;width=5739&amp;height=3834</image:loc><image:caption><![CDATA[De concretarse la operación, Coope Ande sería abosrbida por Coopenae. ]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/economia-y-politica/inflacion-general-cae-a-011-en-agosto-pero/KBNNDYDSIRBM5C5K72GU3MO3CI/story/</loc><lastmod>2026-09-07T16:38:28.925Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/AZC2H2SVPREH5KD62MVHMZWHLY.png?auth=bb2069c47fd3f9a2d4ca7e56e66646603d08a6be26a797b7efc2a51d130a9556&amp;smart=true&amp;width=930&amp;height=620</image:loc><image:caption><![CDATA[Un emprendimiento que nació con 50 gallinas ya alcanza una producción de 1.200 huevos diarios y apuesta por seguir creciendo pese a la competencia del mercado.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/economia-y-politica/costa-rica-acumula-mas-de-un-ano-con-inflacion/IYWQWDNERFA7LE2SVGBG6P2Q2Y/story/</loc><lastmod>2026-09-07T16:30:11.31Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/NSCPU64FQBBMNPZ2DR4P3HVWGM.JPG?auth=5199ec955d2b668f3aca702df317f2cc5d2176891dfb61c5f95a38f5d6b96f44&amp;smart=true&amp;width=4000&amp;height=2667</image:loc><image:caption><![CDATA[El Índice de Precios al Consumidor en Costa Rica ligó un nuevo mes en cifras negativas, influenciado por la reducción en costos de transporte y combustibles.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/podcast/podcast-las-reservas-del-seguro-de-salud-se/S7IGPU5TWVHJNKWENQAAIKOZDM/story/</loc><lastmod>2026-09-07T15:22:31.365Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/CCFWI2SW65G7VP6SUFRV4W2UPM.JPG?auth=7001a35e75386723466ced87565a04f5472835b5ac8aed756a12ed9450bc59bd&amp;smart=true&amp;width=4000&amp;height=2667</image:loc><image:caption><![CDATA[Estudio actuarial proyecta que el Seguro de Salud de la CCSS agotará sus reservas en 2036 por la deuda del Estado, el envejecimiento y la informalidad. Analizamos el tema en ‘Dinero, Podcast y Negocios’.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/brandvoice/con-mas-del-80-de-su-preventa-colocada-altara/AUG6IRBHOJFSFJ34Q63HPSCIBU/story/</loc><lastmod>2026-09-07T14:26:22.967Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/T73PWDWOVJD25KYNFGFUAB7RVU.png?auth=a9cdd12c595c239bc2caac6dc61c1cbd0adecaeb04e580aeea3e7838deba7043&amp;smart=true&amp;width=5120&amp;height=2880</image:loc></image:image></url><url><loc>https://www.elfinancierocr.com/opinion/zonas-francas-ante-una-nueva-prueba-de/V2PTAXUBP5BIVDSJ7L45DXDVQM/story/</loc><lastmod>2026-09-07T14:00:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/JPBN62TO4JEKLKNIXE7SJHRDLM.jpg?auth=8eae2a2417aa9d2689a9f721650212c165df24b9ec6a8797b0311deb8fd435f7&amp;smart=true&amp;width=6192&amp;height=4128</image:loc><image:caption><![CDATA[Colaboradores de Roche operan equipos en el nuevo Centro de Distribución ubicado en Zona Franca Coyol, Alajuela. La inversión de $4,7 millones fortalece la logística para abastecer 23 países de América Latina con medicamentos, incluyendo productos que requieren cadena de frío.]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/emprender/de-la-ingenieria-y-las-multinacionales-a-sus/6YBH47QEYFEH3IREWZVI4PD7AE/story/</loc><lastmod>2026-09-07T13:00:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/QWIC6VIS6RFRRGS3LEJNDC7NWY.jpg?auth=5512236c0e2ad6467916ac23d3b3e74d879fe95962a9de177595ef111fd722ca&amp;smart=true&amp;width=3061&amp;height=1722</image:loc><image:caption><![CDATA[La alianza entre Costa Rica y Naciones Unidas es mucho más que una relación de cooperación: es una sociedad histórica forjada en valores compartidos. ]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/emprender/trabajaron-ascendieron-y-salieron-de/I3IO4LMKYBFVTDZZK73QJK7EOU/story/</loc><lastmod>2026-09-07T12:00:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/544IRPIDHFEHZEHVAR5JXMMZUA.jpg?auth=754eb6b7c477e45773d3f6e1ac47bf432b5246bd4cc9643aa81b184379784967&amp;smart=true&amp;width=6000&amp;height=4000</image:loc><image:caption><![CDATA[Freepik]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/economia-y-politica/aguinaldo-2026-estas-son-las-fechas-de-pago/S5U43FLTHNGHNOATQ5R63EPQGI/story/</loc><lastmod>2026-09-06T23:00:12.533Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/OJN2FSEHPNB6XOTRC4J72MVM3Q.png?auth=f2b7448f77ce749d0ed80ad657896eab6643ca3c912af773a49a47cfe407119a&amp;smart=true&amp;width=1536&amp;height=864</image:loc><image:caption><![CDATA[El viernes 4 de diciembre se realizará el apgo del aguinaldo a los trabajadores del sector público. ]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/economia-y-politica/grandes-contribuyentes-enfrentaran-cambios-en-sus/6TUUQZIYBBDA3LRPITHRPK33TE/story/</loc><lastmod>2026-09-06T22:55:59.208Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/LZMW7QR3WBFALO3J5BAXNAA43A.png?auth=c09f44f3a48a21958a4b8a7f9f8333976a11e0bb96886e072ae229c73f8b1fa9&amp;smart=true&amp;width=1920&amp;height=1080</image:loc><image:caption><![CDATA[Foro NIIF 2027]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/negocios/tome-nota-estos-son-los-cortes-de-electricidad-que/MJLDIXGBRZF6VJOJRN2FBCY6VM/story/</loc><lastmod>2026-09-06T21:25:58.128Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/XS47ASXIBBCNBCLR25X6X6R7XU.JPG?auth=97b098e9d8cc7aecad307c8f5a2cb31123cf648105a16e4bac052bed0a83b064&amp;smart=true&amp;width=4000&amp;height=2666</image:loc><image:caption><![CDATA[Algunos de los trabajos que realizan son mantenimiento del sistema eléctrico. Foto: Rafael Pacheco Granados]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/negocios/auto-mercado-busca-gerente-conozca-las-condiciones/LNQPO53WR5EHZEXDM62TT6UHME/story/</loc><lastmod>2026-09-06T16:24:34.746Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/NEPXXDDIPFHQNH76AAZ2EQCOKY.jpg?auth=b0edd60c9656b8b4bf1b26fa7afe7e82e9213e8116b604858c873f5bded4f087&amp;smart=true&amp;width=1600&amp;height=1066</image:loc><image:caption><![CDATA[Auto Mercado prepara la apertura de más locales en el país. ]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/opinion/la-demanda-de-29-estados-contra-meta-revela-un/R4WLUAJ6LBCP7FXDZEVA6LVFF4/story/</loc><lastmod>2026-09-06T15:00:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/RI7ZIKXIQFBOJAXV3WWQZCB37E.jpg?auth=b61ae6b724051a2951c428d21b32a99c63f72b089d4ec515d7a6cfd9a2d5bb31&amp;smart=true&amp;width=6000&amp;height=4000</image:loc></image:image></url><url><loc>https://www.elfinancierocr.com/opinion/el-crecimiento-de-la-economia-post-americana-de/R62F4BSHZVGZ3LW2JVDIAFJHOE/story/</loc><lastmod>2026-09-06T14:30:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/BEPA42GAAZER7FPLZF4TCZ3REM.jpg?auth=9d202e06b7c8eb692c7a1935ed63319b1d319793b89a39318bd768e73846e719&amp;smart=true&amp;width=6000&amp;height=4000</image:loc><image:caption><![CDATA[(FILES) The US and Canadian flags flutter next to the Blue Water Bridge border crossing in Point Edward, Ontario, on October 24, 2025. Canadian Prime Minister Mark Carney said on August 22, 2026 he would slap retaliatory tariffs on the United States after walking away from a "bad deal" on trade, deepening the rift between the longtime allies. Negotiations between the neighboring countries broke down on Friday in Washington, allowing new 50-percent US tariffs impacting some $20 billion worth of goods, or 5.5 percent of Canadian exports to the United States, to come into force. (Photo by Geoff Robins / AFP)]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/negocios/el-cafe-en-costa-rica-ya-no-se-toma-igual-fundador/45ALDCVZ6JAQDOYYECIYGRTBXI/story/</loc><lastmod>2026-09-06T13:31:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/DRLS26W43NCRXGNDP4EEAUJ3AY.jpeg?auth=b7d39168cebf1f5f7150b6680adf35092eca91bef41a450ada40e484ee22cd0c&amp;smart=true&amp;width=2976&amp;height=1984</image:loc><image:caption><![CDATA[Retratos de Simón Kunz propietario de la cadena de panaderías Mocapan / foto John Durán]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/tecnologia/estos-son-los-operadores-de-telecomunicaciones/JTDKAHIGGZE7FI6JLAD55JRLGQ/story/</loc><lastmod>2026-09-06T13:00:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/2MBLQ3GZAFF4ZIIQGDRL35N344.png?auth=ed4b9d8ee5bff1ee8e6b9db92ce1d4f87b67df4571411d36177b6723600daf32&amp;smart=true&amp;width=1672&amp;height=941</image:loc><image:caption><![CDATA[La encuesta de Sutel tomó en cuenta a los operadores que agrupan la mayor parte de las suscripciones del mercado para cada uno de los servicios evaluados. ]]></image:caption></image:image></url><url><loc>https://www.elfinancierocr.com/negocios/cuanto-confian-los-costarricenses-en-los-carros/AEJGQUB4DZETJCVPSPEX7KXXDI/story/</loc><lastmod>2026-09-06T12:30:00Z</lastmod><changefreq>always</changefreq><priority>0.5</priority><image:image><image:loc>https://www.elfinancierocr.com/resizer/v2/SIZDSOEDN5HQNITXJLL5LJFU74.jpg?auth=9556db2e0889f1be28dbd2b3a6439cd784d83158f10e32b4b48aad6bd5f43bd4&amp;smart=true&amp;width=4000&amp;height=2667</image:loc><image:caption><![CDATA[Los carros chinos, fundalmente eléctricos, han ganado terreno entre los consumidores costarricenses. Foto: Rafael Pacheco Granados]]></image:caption></image:image></url></urlset>