Billeteras móviles y otros servicios de pago: brechas regionales y su adopción en Colombia

Constanza Martínez-Ventura and Ligia Alba Melo-Becerra
Authors registered in the RePEc Author Service: Ligia Melo

Borradores de Economia from Banco de la Republica de Colombia

Abstract: Este estudio analiza los factores que determinan la adopción de las billeteras móviles y otros servicios de pago en Colombia. Se utilizan modelos de econometría espacial para evaluar la heterogeneidad territorial usando datos departamentales, y técnicas de Machine Learning (Decision Tree y Random Forest) para identificar patrones individuales a partir de microdatos. Los resultados evidencian una alta heterogeneidad territorial, asociada a la cobertura de internet, educación y condiciones económicas. A nivel individual, la adopción depende principalmente del ingreso, la edad, el género y la percepción de los individuos sobre el sistema financiero. Si bien los productos tradicionales como la tarjeta débito presentan barreras de acceso operativas y culturales, las billeteras móviles muestran mayor adopción entre jóvenes con familiaridad digital y disposición al uso de nuevas tecnologías. *****ABSTRACT: This study analyzes the factors that determine the adoption of mobile wallets and other payment services in Colombia. Spatial econometric models are used to assess regional heterogeneity using regional data, and machine learning techniques (Decision Tree and Random Forest) are applied to identify individual-level patterns based on microdata. The results reveal significant regional heterogeneity, associated with internet coverage, education, and economic conditions. At the individual level, adoption is primarily influenced by income, age, gender, and individuals’ perceptions of the financial system. While traditional financial products such as debit card face operational and cultural barriers, mobile wallets show higher adoption among younger users who are digitally literate and open to using new technologies.

Keywords: Billeteras móviles; instrumentos de pago; econometría espacial; machine learning; Mobile wallets; payment instruments; spatial econometrics (search for similar items in EconPapers)
JEL-codes: C23 C40 G20 G50 (search for similar items in EconPapers)
Pages: 48
Date: 2025-12
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https://doi.org/10.32468/be.1339

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Persistent link: https://EconPapers.repec.org/RePEc:bdr:borrec:1339

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