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El uso de efectivo y las tendencias de los pagos con tarjetas de débito y crédito en Colombia

Gómez González, José Eduardo and Jaramillo Echeverri y, Juliana and Meisel Roca, Adolfo (2016): El uso de efectivo y las tendencias de los pagos con tarjetas de débito y crédito en Colombia.

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Abstract

In this document we present an analysis on the use of cash as well as debit and credit cards in Colombia, emphasizing the historical evolution of its use. We also discuss some factors that explain the high use of cash that persists in the country. Additionally, using the first Oportunidades Banking Demand Study (Estudio de Demanda de Banca de las Oportunidades, 2015), we carried out a Probit type exercise, which identifies that the demand for credit depends on the labor status, region, age and confidence in the system of each individual. On the other hand, the demand for deposit accounts depends on the area (rural / urban), income level, education level, belong to the SISBEN system and confidence in the individual's financial system.

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