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La transformación en el uso de efectivo y pagos digitales durante la pandemia de Covid-19
[Thye transformation in the use of cash and digital payments during the Covid-19 pandemioc]

Author

Listed:
  • Batiz-Lazo, Bernardo
  • Bautista-González, Manuel A
  • González-Correa, Ignacio

Abstract

Resumen: No hay evidencia sustancial de que la pandemia de Covid-19 represente un cambio estructural hacia una economía sin efectivo (cashless) en el sector de pagos minoristas. En el corto plazo, los consumidores aumentaron su volumen de pagos digitales y sin contacto (contactless) como respuesta a los confinamientos y creencias de que el efectivo podría propagar el virus. Sin embargo, lo anterior no ha resultado en una reducción permanente en el uso o eliminación de billetes y monedas. Además, en muchos países se observó la “paradoja del efectivo”, es decir, una disminución del efectivo como medio de pago y, simultáneamente un alza en su demanda precautoria ante la incertidumbre y el deterioro en las expectativas económicas.

Suggested Citation

  • Batiz-Lazo, Bernardo & Bautista-González, Manuel A & González-Correa, Ignacio, 2021. "La transformación en el uso de efectivo y pagos digitales durante la pandemia de Covid-19 [Thye transformation in the use of cash and digital payments during the Covid-19 pandemioc]," MPRA Paper 109943, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:109943
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    References listed on IDEAS

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    More about this item

    Keywords

    Keywords: cash; cashless economy; cashless society; banknotes and coins; digital payments; Covid-19 pandemic; retail payments; Spain; United States; United Kingdom; Mexico. Palabras Clave: efectivo; economía sin efectivo; sociedad sin efectivo; billetes y monedas; pagos digitales; pandemia de Covid-19; sistema de pagos minorista; España; Estados Unidos; Reino Unido; México.;
    All these keywords.

    JEL classification:

    • E40 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce
    • N20 - Economic History - - Financial Markets and Institutions - - - General, International, or Comparative

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