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El Uso de Efectivo y Tarjetas Débito como instrumentos de pago en Colombia


  • Constanza Martínez Ventura



La acentuada preferencia de la población por efectivo para realizar sus compras ha motivado diversos estudios con el propósito de establecer cuáles son los principales determinantes de las decisiones de los agentes sobre los instrumentos de pago que usan en sus transacciones. Este documento presenta algunas estimaciones de la demanda transaccional por efectivo y del uso de tarjetas débito para Colombia, usando modelos de ecuaciones simultáneas para datos entre abril de 2002 y abril de 2012. Los resultados permiten confirmar para la población bancarizada la importancia de determinantes tradicionales como la tasa de interés, e identificar el papel que desempeñan determinantes no tradicionales como los cajeros automáticos, datáfonos y el gravamen a los movimientos financieros. El aumento en el número de datáfonos ha comenzado a generar cambios en los instrumentos de pago preferidos por la población bancarizada, lo que podría representar una amenaza a la preeminencia del efectivo sobre las tarjetas débito en las transacciones que se realizan en establecimientos asociados al comercio formal. Así mismo, se logra identificar que aumentos en indicadores de inseguridad y de informalidad resultan en un mayor uso de efectivo.

Suggested Citation

  • Constanza Martínez Ventura, 2013. "El Uso de Efectivo y Tarjetas Débito como instrumentos de pago en Colombia," BORRADORES DE ECONOMIA 010390, BANCO DE LA REPÚBLICA.
  • Handle: RePEc:col:000094:010390

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    References listed on IDEAS

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    More about this item


    Instrumentos de pago; canales transaccionales; efectivo.;

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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