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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. 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.
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  14. anonymous, 2008. "Federal Reserve Bank of Kansas City: 2007 annual report," TEN, Federal Reserve Bank of Kansas City, issue Spr, pages 37-81.
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