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

Author

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

Abstract

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.

Suggested Citation

  • Biliana Alexandrova-Kabadjova & Alma L. Garcia-Almanza & Sara G. Castellanos Pascacio, 2012. "El proceso de adopcion de tarjetas de pago: un enfoque basado en agentes," Working Papers 1214, BBVA Bank, Economic Research Department.
  • Handle: RePEc:bbv:wpaper:1214
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    References listed on IDEAS

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    More about this item

    Keywords

    mercados bilaterales; servicios financieros; formacion de redes; analisis de toma de decisiones colectiva;
    All these keywords.

    JEL classification:

    • D7 - Microeconomics - - Analysis of Collective Decision-Making
    • D85 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Network Formation
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets

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