Natural disasters and financial technology adoption

Fernando Barros, Bruno Ricardo Delalibera, Valdemar Pinho Neto and Victor Rangel

Economics Letters, 2025, vol. 247, issue C

Abstract: This paper investigates the impact of natural disasters on the adoption of PIX payments in Brazilian municipalities. Using data from multiple sources, including the Ministry of Integration and Regional Development of Brazil, the Central Bank of Brazil, and the Monthly Banking Statistics by Municipality database, we employ the Differences-in-Differences method to measure the effect of disasters on PIX adoption. Our findings reveal a significant and positive impact of natural disasters on the utilization of PIX among households. Additionally, we observe that the intensity of the disasters influences PIX adoption, with more severe disasters exerting a greater impact.

Keywords: Disasters; Technology adoption; Electronic payments; Financial flows (search for similar items in EconPapers)
JEL-codes: E65 G23 L86 O33 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:eee:ecolet:v:247:y:2025:i:c:s0165176524005767

DOI: 10.1016/j.econlet.2024.112092

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