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Niveles de competencia y uso de tarjetas de crédito en México. Un enfoque de mercados de dos lados

Author

Listed:
  • Rafael Canales-Medina

    (El Colegio de México, México)

  • Jaime Sempere

    (El Colegio de México, México)

Abstract

El objetivo de este artículo es analizar la relación entre el volumen de los pagos con tarjeta de crédito con indicadores de competencia de los dos lados del mercado (emisor y adquirente), además del número de terminales y de tarjetas per cápita. Este es el primer estudio que incorpora indicadores de competencia como posibles determinantes del uso de las tarjetas en la economía mexicana. La metodología usada se basa en un análisis econométrico de series de tiempo. Nuestros resultados indican que el determinante más importante del uso de tarjetas es el número de terminales per cápita, mientras que los niveles de competencia no tienen efectos significativos sobre este uso. La recomendación más importante es que para promover el uso de medios electrónicos, más que otros programas, habría que estimular la instalación de terminales por parte de los bancos. Una forma de hacerlo, por ejemplo, es reduciendo las tasas de intercambio entre bancos. Los datos públicos que analizamos son de tipo macroeconómico y no permiten analizar efectos locales o regionales o de comportamiento individual.

Suggested Citation

  • Rafael Canales-Medina & Jaime Sempere, 2023. "Niveles de competencia y uso de tarjetas de crédito en México. Un enfoque de mercados de dos lados," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 18(4), pages 1-26, Octubre -.
    • Handle: RePEc:imx:journl:v:18:y:2023:i:4:p:1
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    References listed on IDEAS

    as
    1. Graeme Guthrie & Julian Wright, 2007. "Competing Payment Schemes," Journal of Industrial Economics, Wiley Blackwell, vol. 55(1), pages 37-67, March.
    2. Richard Schmalensee, 2002. "Payment Systems and Interchange Fees," Journal of Industrial Economics, Wiley Blackwell, vol. 50(2), pages 103-122, June.
    3. Jean-Charles Rochet & Jean Tirole, 2002. "Cooperation Among Competitors: Some Economics Of Payment Card Associations," RAND Journal of Economics, The RAND Corporation, vol. 33(4), pages 549-570, Winter.
    4. Baxter, William F, 1983. "Bank Interchange of Transactional Paper: Legal and Economic Perspectives," Journal of Law and Economics, University of Chicago Press, vol. 26(3), pages 541-588, October.
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    More about this item

    Keywords

    Tarjetas de Crédito; Niveles de Concentración; Mercados de Dos Lados;
    All these keywords.

    JEL classification:

    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • L10 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - General
    • C22 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes

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