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El uso de efectivo y tarjetas débito como instrumentos de pago en Colombia

Author

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  • Martínez Ventura, Constanza
Abstract
Resumen: Este documento estudia el impacto que la popularización de las tarjetas débito ha tenido sobre las preferencias de pago de los clientes bancarios con cuentas de depósito en Colombia. Con este fin, se utilizan modelos de ecuaciones simultáneas para analizar los pagos habituales y las compras al por menor de bienes no durables que este grupo poblacional realiza de manera presencial, en función de variables macroeconómicas, de infraestructura de pagos e idiosincráticas. Los resultados resaltan la relevancia de la tasa de interés de corto plazo, la infraestructura de pagos y el gravamen a los movimientos financieros en las preferencias por instrumentos de pago de dicha población. En particular, se observa que el aumento en el número de datáfonos ha comenzado a representar una amenaza a la preeminencia del efectivo; no obstante, factores idiosincráticos como la inseguridad y la informalidad incentivan su uso. Abstract: This paper studies the impact that the popularisation of debit cards has had on the payment preferences of retail banking clients with deposit accounts in Colombia. To this end, simultaneous equation models are used to analyse the usual payments and retail purchases of non-durable goods that these people execute in person, as a function of macroeconomic variables, the payments infrastructure, and idiosyncratic variables. The results underline the relevance of the short-term interest rate, the payments infrastructure, and the financial transaction tax on the preferences for payment instruments of this population. Particularly, it is observed that the rise in the number of point-of-sale devices has started to represent a threat to the prevalence of cash, but that idiosyncratic factors such as insecurity and informality incentivise its usage.

Suggested Citation

  • Martínez Ventura, Constanza, 2019. "El uso de efectivo y tarjetas débito como instrumentos de pago en Colombia," Revista Lecturas de Economía, Universidad de Antioquia, CIE, issue 90, pages 71-95, January.
    • Handle: RePEc:col:000174:017440
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    References listed on IDEAS

    as
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    More about this item

    Keywords

    Demanda por dinero; tarjeta débito; costos transaccionales;
    All these keywords.

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D2 - Microeconomics - - Production and Organizations

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