Pagos Digitales para la Inclusión Financiera de poblaciones vulnerables en Argentina: un estudio empírico en comerciantes del Barrio Padre Carlos Múgica (ex Villa 31-31 bis) de la Ciudad Autónoma de Buenos Aires

Mateo Bartolini Ignacio Esteban Carballo
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Mateo Bartolini Ignacio Esteban Carballo: Facultad de Ciencias Económicas, Pontificia Universidad Católica Argentina (UCA), Argentina y Centro de Estudios de la Estructura Económica (CENES), Instituto de Investigaciones Económicas, Consejo Nacional de Investigaciones Científicas y Técnicas de Argentina (CONICET), Facultado de Ciencias Económicas, Universidad de Buenos Aires, Argentina; Facultad de Ciencias Económicas, Universidad de Buenos Aires, Argentina.

Económica, 2020, vol. 66, 169-247

Abstract: This paper addresses the problem of digital payments and financial inclusion in informal settlement merchants. To this end, an unprecedented quantitative survey was developed and 104 merchants from the Padre Carlos Múgica Neighborhood (ex Villa 31 and 31 bis) in the City of Buenos Aires, Argentina, were interviewed. Our findings claim the enormous potential to include financially through digital payments. Mobile is highlighted as the main sources of access to the digital world, but also highlight the lack of security and trust in this technology. Our result shows a multiplier effect on businesses that accept digital payments in relation to other dimensions of financial inclusion and provides information on what are the main incentives that low-income merchants receive to adopt or be interested in starting to accept digital payments in their businesses.

Keywords: Financial inclusion; digital payments; Fintech; urban settlements; poverty (search for similar items in EconPapers)
JEL-codes: C81 G21 (search for similar items in EconPapers)
Date: 2020
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Persistent link: https://EconPapers.repec.org/RePEc:lap:journl:627

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