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¿Cómo pagan los colombianos y por qué?

Author

Listed:
  • Carlos A. Arango-Arango
  • Nicol�s F. Su�rez-Ariza
  • Sergio H. Garrido-Mej�a

Abstract

Este reporte presenta los resultados dos encuestas, una a consumidores y otra a pequenos comerciantes, en las cinco principales ciudades colombianas entre abril y junio de 2016. El estudio es un esfuerzo por entender los factores que determinan el acceso, uso y aceptación de los pagos electrónicos en Colombia. Entre los mensajes centrales de la investigación se encuentra que aunque los consumidores urbanos han alcanzado un alto grado de acceso a instrumentos de pago electrónicos, estos siguen haciendo un 97% de sus pagos en efectivo debido a la limitada aceptación de estos instrumentos en sus transacciones cotidianas. La renuencia de los pequenos comercios a aceptar pagos electrónicos se debe principalmente a sus percepciones respecto a los altos costos de operar con pagos electrónicos frente al efectivo y la perspectiva de mayores cargas impositivas. No obstante, los pequenos comercios reconocen las oportunidades que puede traerles el aceptar pagos electrónicos en términos de eficiencia y competitividad.

Suggested Citation

  • Carlos A. Arango-Arango & Nicol�s F. Su�rez-Ariza & Sergio H. Garrido-Mej�a, 2016. "¿Cómo pagan los colombianos y por qué?," Coyuntura Económica, Fedesarrollo, vol. 46(2), pages 141-167.
    • Handle: RePEc:col:000438:015799
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    Cited by:

    1. is not listed on IDEAS
    2. Gonzalo Alberto Flechas Briceno & Gabriela Higuera Torres, 2021. "La experiencia del uso del dinero en las personas de bajos ingresos en Bogotá, noviembre de 2019," Revista Tendencias, Universidad de Narino, vol. 22(2), pages 157-181.

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    Keywords

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    JEL classification:

    • L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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