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México | Patrones de consumo de efectivo vs. tarjeta: una aproximación Big Data

Mexico | Cash vs. Card Consumption Patterns: A Machine Learning Approach

Saide Aránzazu Salazar, Jaime Oliver Huidobro, Alvaro Ortiz, Tomasa Rodrigo and Ignacio Tamarit

No 21/05, Working Papers from BBVA Bank, Economic Research Department

Abstract: El documento propone una nueva metodología que combina datos de operaciones con tarjeta e información de operaciones en efectivo en supermercados. Se estudian los cambios en patrones de consumo en relación con las variaciones de ingresos, que incluye la evolución del consumo de bienes y el uso de distintos canales de pago. This paper proposes a novel methodology combining high frequency card transaction data and point-of-sale (POS) data from cash operations registered at convenience stores to study changes in consumption patterns relative to variations in income, including changes in the items consumed and the payment channel.

Keywords: e-Payments; Pagos electrónicos; cash; efectivo; Big Data; Big Data; machine learning; aprendizaje automático; consumption patterns; patrones de consumo; Mexico; México; Global; Global; Analysis with Big Data; Análisis con Big Data; Working Papers; Documento de Trabajo (search for similar items in EconPapers)
JEL-codes: C32 D12 O17 O54 (search for similar items in EconPapers)
Pages: 26 pages
Date: 2021-05
New Economics Papers: this item is included in nep-big, nep-cmp and nep-pay
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