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Costos del comercio en el procesamiento de los pagos en Colombia

Author

Listed:
  • Carlos A. Arango-Arango
  • Yanneth R. Batancourt-Garc�a
  • Manuela restrepo-Bernal

Abstract

En Colombia se han logrado importantes avances en el acceso a productos transaccionales ofrecidos por el sistema financiero, sin embargo, el efectivo sigue siendo el instrumento preferido debido a la limitada aceptación de pagos electrónicos por parte de los comercios. Este documento presenta los resultados de una encuesta realizada por el Banco de la República en el 2018 la cual mide los costos privados de los comercios en la aceptación y uso de diferentes instrumentos de pago. Las estimaciones muestran que el efectivo es menos costoso que las tarjetas débito y crédito en las ventas de los comercios. Así mismo, se encuentra que los costos de los pagos electrónicos llegan a ser más del doble que los del efectivo para los gastos de funcionamiento. Así las cosas, para los comercios, operar con efectivo resulta más económico que operar con instrumentos de pago electrónicos. Este documento presenta los resultados de una encuesta realizada por el Banco de la República en el 2018 la cual mide los costos privados de los comercios en la aceptación y uso de diferentes instrumentos de pago.

Suggested Citation

  • Carlos A. Arango-Arango & Yanneth R. Batancourt-Garc�a & Manuela restrepo-Bernal, 2022. "Costos del comercio en el procesamiento de los pagos en Colombia," Coyuntura Económica, Fedesarrollo, vol. 52, pages 107-125.
    • Handle: RePEc:col:000438:020711
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    Cited by:

    1. is not listed on IDEAS
    2. Arango-Arango, Carlos A. & Betancourt-García, Yanneth Rocío & Restrepo-Bernal, Manuela, 2022. "An application of the tourist test to Colombian merchants," Latin American Journal of Central Banking (previously Monetaria), Elsevier, vol. 3(4).

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    JEL classification:

    • C81 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Methodology for Collecting, Estimating, and Organizing Microeconomic Data; Data Access
    • C83 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Survey Methods; Sampling Methods
    • D23 - Microeconomics - - Production and Organizations - - - Organizational Behavior; Transaction Costs; Property Rights
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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