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Determinantes del uso de tarjetas de crédito en México. Reflexiones sobre el papel de la cultura financiera

Author

Listed:
  • María del Carmen Solano Márquez
  • Lidia Valeria Vega Valencia
  • Luis Fernando Cárdenas Alba

Abstract

El objetivo de este trabajo es analizar la relación entre la participación en el mercado de las tarjetas de crédito y variables asociadas con la calidad en el servicio y la información de la que dispone el consumidor de estos productos financieros. Se estima un modelo econométrico con el método de Mínimos Cuadrados Ordinarios (MCO) utilizando datos de corte transversal de 30 entidades financieras mexicanas para el año 2012. Los resultados obtenidos son útiles en términos del mercado de crédito al consumo y la educación financiera de los usuarios de estos productos. The objective of this paper is to analyze the relationship between the market share of credit cards and some variables related to service quality and available information. An econometric model is estimated by the Ordinary Least Square (OLS) method using cross-sectional data of 30 Mexican financial institutions in 2012. The results are useful in terms of the consumer market share and financial education of these customers.

Suggested Citation

  • María del Carmen Solano Márquez & Lidia Valeria Vega Valencia & Luis Fernando Cárdenas Alba, 2015. "Determinantes del uso de tarjetas de crédito en México. Reflexiones sobre el papel de la cultura financiera," Ravista Raites antes Panorama Administrativo Journal, Red de Investigación en Administración de la Innovación Tecnológica, Económica y Sustentable - Instituto Tecnológico de Celaya, Departamento de Ciencias Económico Administrativas, vol. 1(1), pages 60-76, july.
    • Handle: RePEc:cey:panora:v:1:y:2015:i:1:p:61-75
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    More about this item

    Keywords

    Participación de mercado; tarjetas de crédito; cultura financiera; Market share; credit cards; financial culture.;
    All these keywords.

    JEL classification:

    • G02 - Financial Economics - - General - - - Behavioral Finance: Underlying Principles
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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