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El proceso de adopcion de tarjetas de pago: un enfoque basado en agentes

  • Biliana Alexandrova-Kabadjova
  • Alma L. Garcia-Almanza
  • Sara G. Castellanos Pascacio

Investigamos la tasa de adopcion de las tarjetas de pago considerando el conocimiento de consumidores y comerciantes acerca de las externalidades de red, usando dos niveles de cuotas de intercambio (interchange fees) en un mercado de tarjetas de multi-agente. A efectos de nuestro estudio, en diversas instancias (escenarios) del modelo se analizan los efectos investigados durante todo el proceso de adopcion, hasta alcanzarse el punto de saturacion del mercado. A continuacion, en cada escenario se comparan dos niveles diferentes de cuotas de intercambio y un grado diferente de conocimiento de consumidores y comerciantes. Para ello, hemos modelado explicitamente las interacciones entre consumidores y comerciantes en el punto de venta. En el modelo, los emisores de tarjetas pueden cobrar a los consumidores comisiones fijas y ofrecer beneficios netos por el uso de las tarjetas, mientras que los adquirientes pueden cobrar tasas fijas y por transaccion a los comercios. Las cuotas de intercambio fluyen de los adquirientes hacia los emisores. No obstante, reconocemos que el punto de saturacion del mercado no solamente esta determinado por las externalidades de la red y por el nivel de las cuotas de intercambio, sino tambien por factores macroeconomicos que no se analizan en esta fase de la investigacion.

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Paper provided by BBVA Bank, Economic Research Department in its series Working Papers with number 1214.

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Length: 28 pages
Date of creation: Jul 2012
Date of revision:
Handle: RePEc:bbv:wpaper:1214
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  1. Schmalensee, Richard, 2002. "Payment Systems and Interchange Fees," Journal of Industrial Economics, Wiley Blackwell, vol. 50(2), pages 103-22, June.
  2. Baxter, William F, 1983. "Bank Interchange of Transactional Paper: Legal and Economic Perspectives," Journal of Law and Economics, University of Chicago Press, vol. 26(3), pages 541-88, October.
  3. Wilko Bolt & Sujit Chakravorti, 2008. "Economics of Payment Cards: A Status Report," DNB Working Papers 193, Netherlands Central Bank, Research Department.
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  5. David S. Evans & Richard Schmalensee, 2005. "The economics of interchange fees and their regulation : an overview," Proceedings – Payments System Research Conferences, Federal Reserve Bank of Kansas City, issue May, pages 73-120.
  6. LeBaron, Blake, 2000. "Agent-based computational finance: Suggested readings and early research," Journal of Economic Dynamics and Control, Elsevier, vol. 24(5-7), pages 679-702, June.
  7. LeBaron, Blake, 2006. "Agent-based Computational Finance," Handbook of Computational Economics, in: Leigh Tesfatsion & Kenneth L. Judd (ed.), Handbook of Computational Economics, edition 1, volume 2, chapter 24, pages 1187-1233 Elsevier.
  8. Chakravorti Sujit, 2003. "Theory of Credit Card Networks: A Survey of the Literature," Review of Network Economics, De Gruyter, vol. 2(2), pages 1-19, June.
  9. Chakravorti, Sujit & To, Ted, 2007. "A theory of credit cards," International Journal of Industrial Organization, Elsevier, vol. 25(3), pages 583-595, June.
  10. David Colander & Hans Föllmer & Armin Haas & Michael Goldberg & Katarina Juselius & Alan Kirman & Thomas Lux & Brigitte Sloth, 2009. "The Financial Crisis and the Systemic Failure of Academic Economics," Kiel Working Papers 1489, Kiel Institute for the World Economy.
  11. repec:reg:rpubli:105 is not listed on IDEAS
  12. Chakravorti Sujit, 2010. "Externalities in Payment Card Networks: Theory and Evidence," Review of Network Economics, De Gruyter, vol. 9(2), pages 1-28, June.
  13. anonymous, 2008. "Federal Reserve Bank of Kansas City: 2007 annual report," TEN, Federal Reserve Bank of Kansas City, issue Spr, pages 37-81.
  14. Roson Roberto, 2005. "Two-Sided Markets: A Tentative Survey," Review of Network Economics, De Gruyter, vol. 4(2), pages 1-19, June.
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