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Debit and credit card holdings: effects of the Uruguayan Financial Inclusion Law

Cecilia Olivieri (), Romina Quagliotti () and Graciela Sanroman ()

No 422, Documentos de Trabajo (working papers) from Department of Economics - dECON

Abstract: This paper examines the impact of measures implemented in Uruguay to promote financial inclusion. We analyse the changes in terms of access to debit and credit cards and their determinants. We also employ Diff in Diff strategies to assess the effect of a particular measure: the mandatory payment of salaries through bank accounts. We find evidence that financial inclusion has improved during the period analysed, through the expansion of debit cards. We document that the impact was strongest among low-income households and those headed by women or Afro-descendants. We also show that the expansion was greater than that observed in other similar countries. However, we find almost no change in access to credit cards.

Keywords: Financial inclusion; Household finances; Payment instruments (search for similar items in EconPapers)
JEL-codes: G21 G50 O16 (search for similar items in EconPapers)
Pages: 43 pages
Date: 2022-05
New Economics Papers: this item is included in nep-fle and nep-pay
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