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México | Patrones de consumo de efectivo vs. tarjeta: una aproximación Big Data
[Mexico | Cash vs. Card Consumption Patterns: A Machine Learning Approach]

Author

Listed:
  • Saide Aránzazu Salazar
  • Jaime Oliver Huidobro
  • Alvaro Ortiz
  • Tomasa Rodrigo
  • Ignacio Tamarit

Abstract

El documento propone una nueva metodología que combina datos de operaciones con tarjeta e información de operaciones en efectivo en supermercados. Se estudian los cambios en patrones de consumo en relación con las variaciones de ingresos, que incluye la evolución del consumo de bienes y el uso de distintos canales de pago. This paper proposes a novel methodology combining high frequency card transaction data and point-of-sale (POS) data from cash operations registered at convenience stores to study changes in consumption patterns relative to variations in income, including changes in the items consumed and the payment channel.

Suggested Citation

  • Saide Aránzazu Salazar & Jaime Oliver Huidobro & Alvaro Ortiz & Tomasa Rodrigo & Ignacio Tamarit, 2021. "México | Patrones de consumo de efectivo vs. tarjeta: una aproximación Big Data [Mexico | Cash vs. Card Consumption Patterns: A Machine Learning Approach]," Working Papers 21/05, BBVA Bank, Economic Research Department.
    • Handle: RePEc:bbv:wpaper:2105
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    More about this item

    Keywords

    e-Payments; Pagos electrónicos; cash; efectivo; Big Data; Big Data; machine learning; aprendizaje automático; consumption patterns; patrones de consumo; Mexico; México; Global; Global; Analysis with Big Data; Análisis con Big Data; Working Papers; Documento de Trabajo;
    All these keywords.

    JEL classification:

    • C32 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes; State Space Models
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • O54 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Latin America; Caribbean

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