Tarjetas de crédito en Colombia 2017 - 2020
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Date
2020-05-31
Authors
Ardila Herrera, Milena
Jiménez Restrepo, Luz Edilma
Posada Bedoya, Lina Marcela
Advisors
González Fernández, Gina Paola
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
Rights
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
Las tarjetas de crédito o dinero plástico son un instrumento financiero que ha propiciado desarrollo y evolución en la economía de muchos países, como una forma de innovación de dinero electrónico dado que ofrece a los consumidores la oportunidad de adquirir las cosas de una manera rápida y fácil. Según el periódico universal (El universal , 2020)en Colombia circulan 15.7 millones de tarjetas de crédito para el año 2019, siendo Latinoamérica la población que más gasta con estos productos financieros, lo que causa un incremento en la dinámica del comercio nacional, sin embargo existe una preocupación que inquieta a la superintendencia financiera de Colombia quien es la entidad gubernamental encargada de supervisar el sistema financiero y bursátil de Colombia. Su preocupación radica en el alto endeudamiento que presentan las familias colombianas a causa de las tarjetas de crédito. De acuerdo con lo anterior, el propósito de esta investigación es hacer un análisis del comportamiento de los tarjetahabientes respecto al uso de las tarjetas de crédito frente al uso del efectivo en Colombia, para este análisis se ha planteado un comparativo comprendido entre los años 2017 a marzo del 2020, con el fin de validar la concurrencia con la que se utilizan las tarjetas de crédito (El universal , 2020).
Plastic money or credit cards are a financial instrument that has fostered development and evolution in the economy of many countries, as a form of electronic money innovation since it offers consumers the opportunity to acquire things quickly and easily. According to the newspaper El Universal published on January 26, 2020, 15.7 million credit cards circulated in Colombia in 2019, with Latin America being the population that spends the most with these financial products, causing an increase in the dynamics of national trade, However, there is a concern that worries the Colombian financial super intendency, which is the government entity in charge of supervising the financial and stock market system in Colombia. Their concern lies in the high indebtedness of Colombian families due to credit cards. In accordance with the above, the purpose of this research is to make an analysis of the behavior of cardholders regarding the use of credit cards versus the use of cash in Colombia, for this analysis a comparative study has been made between the years 2017 to March 2020, in order to validate the concurrence with which credit cards are used.
Plastic money or credit cards are a financial instrument that has fostered development and evolution in the economy of many countries, as a form of electronic money innovation since it offers consumers the opportunity to acquire things quickly and easily. According to the newspaper El Universal published on January 26, 2020, 15.7 million credit cards circulated in Colombia in 2019, with Latin America being the population that spends the most with these financial products, causing an increase in the dynamics of national trade, However, there is a concern that worries the Colombian financial super intendency, which is the government entity in charge of supervising the financial and stock market system in Colombia. Their concern lies in the high indebtedness of Colombian families due to credit cards. In accordance with the above, the purpose of this research is to make an analysis of the behavior of cardholders regarding the use of credit cards versus the use of cash in Colombia, for this analysis a comparative study has been made between the years 2017 to March 2020, in order to validate the concurrence with which credit cards are used.
Description
Analizar el uso de las tarjetas de crédito en Colombia en los años 2017 al 2020.
Keywords
Tarjeta de crédito, Tarjetahabiente, Avance, Dinero electrónico, Credit card, Cardholder, Advance, Electronic money