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Transacciones en línea y bienestar financiero

Author

Listed:
  • Freddy Castro Badillo
  • Daniela Londoño Avellaneda
  • Federico Medina Cifuentes

Abstract

El bienestar financiero, además de ser el objetivo final de la inclusión financiera, es junto con el acceso, uso y calidad, una de las dimensiones de dicho concepto. Pese a lo anterior, aún son escasas las mediciones o las evaluaciones de sus determinantes, especialmente en un contexto de crecimiento de los servicios financieros digitales. Por ello, utilizando los datos de la Encuesta de Apropiación Digital del Centro Nacional de Consultoría de 2020, se da un paso en este sentido. A partir del cálculo de un índice de bienestar financiero, se encuentra un efecto positivo y significativo de la transaccionalidad en línea sobre dicho índice. Así mismo, características sociodemográficas como la edad, el sexo y la composición del hogar también resultan relevantes para explicar este indicador. De forma complementaria, se encuentra que la adopción de internet para realizar operaciones financieras está relacionada con las aptitudes digitales que los individuos perciben tener.

Suggested Citation

  • Freddy Castro Badillo & Daniela Londoño Avellaneda & Federico Medina Cifuentes, 2022. "Transacciones en línea y bienestar financiero," Coyuntura Económica, Fedesarrollo, vol. 52, pages 127-150, December.
    • Handle: RePEc:col:000438:020712
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    References listed on IDEAS

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    More about this item

    Keywords

    Bienestar Financiero; Digitalización; Ecosistemas Digitales de Pago;
    All these keywords.

    JEL classification:

    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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