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Uso del efectivo y otros medios de pago: ¿cómo está cambiando la forma en que pagamos?

Author

Listed:
  • Laura Ferrando

    (Banco de España)

  • Diana Posada

    (Banco de España)

Abstract

Motivación En los últimos años hemos observado un notable avance de la digitalización, en especial tras la irrupción de la pandemia causada por el COVID-19. En este contexto, es importante analizar cómo están cambiando los hábitos de pago de los consumidores a la hora realizar compras en comercios físicos, compras online y pagos entre particulares. Ideas principales En 2022, el efectivo es el medio de pago más utilizado en España para las compras en comercios físicos y los pagos entre particulares, si bien se observa una disminución con respecto a 2019. La disminución del uso del efectivo viene motivada principalmente por dos factores: en primer lugar, por el aumento de las compras online, que limita las posibilidades de uso de este medio de pago, y, en segundo lugar, por un cambio en los hábitos de pago de los consumidores, que han incrementado el uso de medios digitales en sus compras.

Suggested Citation

  • Laura Ferrando & Diana Posada, 2023. "Uso del efectivo y otros medios de pago: ¿cómo está cambiando la forma en que pagamos?," Boletín Económico, Banco de España, issue 2023/T1.
    • Handle: RePEc:bde:joures:y:2023:i:01:n:01
    DOI: https://doi.org/10.53479/24994
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    More about this item

    Keywords

    Medios de pago; efectivo; pagos digitales; hábitos de pago;
    All these keywords.

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • J33 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Compensation Packages; Payment Methods

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