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Evolución y tendencias en los pagos de los consumidores españoles

Author

Listed:
  • Isabel Rodríguez Molina

    (Banco de España)

  • Álvaro Esandi Erro

    (Banco de España)

Abstract

Motivación La mayor digitalización de los medios de pago está impactando de manera relevante en la forma de pagar de los consumidores. El análisis del uso de los medios de pago permite valorar si los consumidores cuentan con opciones de pago seguras, eficientes e inclusivas. Ideas principales •El uso de los dispositivos móviles en el comercio físico se ha duplicado desde 2022, aunque el efectivo y las tarjetas siguen siendo los medios de pago más comunes. •Las tarjetas dominan el pago en el comercio electrónico, y los pagos inmediatos destacan como forma de pago entre particulares. •Las principales motivaciones para probar nuevos medios de pago son la facilidad de uso y la seguridad.

Suggested Citation

  • Isabel Rodríguez Molina & Álvaro Esandi Erro, 2025. "Evolución y tendencias en los pagos de los consumidores españoles," Boletín Económico, Banco de España, issue 2025/T2.
    • Handle: RePEc:bde:joures:y:2025:i:02:n:03
    DOI: https://doi.org/10.53479/39525
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    More about this item

    Keywords

    Medios de pago; hábitos de pago; pagos digitales; pagos online; efectivo; tarjetas; pagos inmediatos; soluciones de pago electrónico;
    All these keywords.

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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