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Innovación En Los Sistemas De Pagos: El Caso Del Mercado De Transferencias De Crédito En El Peru

Author

Listed:
  • Vega, Milton

    (Central Bank of Peru)

  • Ayllon, Roy

    (Central Bank of Peru)

  • Chavez, Gonzalo

    (Central Bank of Peru)

Abstract

El presente trabajo es una primera aproximación al análisis de los factores que explican el menor desarrollo del mercado de transferencias de crédito en el Perú, a pesar de las ventajas que tiene respecto al uso del efectivo y del cheque. Siguiendo la literatura sobre el tema de innovación, el análisis parte de la concepción de que los sistemas de pago son una industria de red y en ese contexto se busca identificar incentivos y limitantes que tienen los agentes para el desarrollo del mercado. Se concluye que entre los factores limitantes se tiene a: • La estructura de comisiones a nivel del servicio de compensación y de los clientes del sistema financiero. • El incentivo de los bancos por invertir en sus propias redes, en lugar de hacerlo en la red común. • La falta de cultura financiera. • Presencia de mecanismos de pago de obligaciones que limitan el desarrollo de los sistemas de pagos. De esta forma, existe una tarea de difusión y de coordinación para que el mercado de transferencias de crédito se desarrolle, beneficiándose los agentes económicos por el menor riesgo y mayor eficiencia para el pago de sus transacciones.

Suggested Citation

  • Vega, Milton & Ayllon, Roy & Chavez, Gonzalo, 2010. "Innovación En Los Sistemas De Pagos: El Caso Del Mercado De Transferencias De Crédito En El Peru," Working Papers 2010-010, Banco Central de Reserva del Perú.
  • Handle: RePEc:rbp:wpaper:2010-010
    as

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    File URL: http://www.bcrp.gob.pe/docs/Publicaciones/Documentos-de-Trabajo/2010/Documento-de-Trabajo-10-2010.pdf
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    References listed on IDEAS

    as
    1. Nicholas Economides, 1997. "The Economics of Networks," Brazilian Electronic Journal of Economics, Department of Economics, Universidade Federal de Pernambuco, vol. 1(0), December.
    2. Gautam Gowrisankaran & Joanna Stavins, 2004. "Network Externalities and Technology Adoption: Lessons from Electronic Payments," RAND Journal of Economics, The RAND Corporation, vol. 35(2), pages 260-276, Summer.
    3. Humphrey, David B & Kim, Moshe & Vale, Bent, 2001. "Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 33(2), pages 216-234, May.
    4. Daniel A. Ackerberg & Gautam Gowrisankaran, 2006. "Quantifying equilibrium network externalities in the ACH banking industry," RAND Journal of Economics, RAND Corporation, vol. 37(3), pages 738-761, September.
    5. Marquis, Milton H & Reffett, Kevin L, 1994. "New Technology Spillovers into the Payment System," Economic Journal, Royal Economic Society, vol. 104(426), pages 1123-1138, September.
    6. Borzekowski, Ron & Kiser, Elizabeth K., 2008. "The choice at the checkout: Quantifying demand across payment instruments," International Journal of Industrial Organization, Elsevier, vol. 26(4), pages 889-902, July.
    7. Rachel E. Kranton & Deborah F. Minehart, 2001. "A Theory of Buyer-Seller Networks," American Economic Review, American Economic Association, vol. 91(3), pages 485-508, June.
    8. Christopher R. Knittel & Victor Stango, 2003. "Compatibility and pricing with indirect network effects: evidence from ATMs," Working Paper Series WP-03-33, Federal Reserve Bank of Chicago.
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