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¿Qué impulsa la adopción de CBDC o bitcoin? Evidencia derivada de la experiencia del Caribe, Centroamérica y Sudamérica

Author

Listed:
  • Náñez Alonso, Sergio Luis

    (Universidad Católica de Ávila)

  • Echarte Fernández, Miguel Ángel

    (Universidad Católica de Ávila)

  • Kolegowicz, Konrad

    (Universidad de Economía de Cracovia)

  • Sanz-Bas, David

    (Universidad Católica de Ávila)

  • Jorge-Vázquez, Javier

    (Universidad Católica de Ávila)

Abstract

Los países de la región del Caribe, Centroamérica y Sudamérica han irrumpido con fuerza e indiscutible liderazgo en la adopción del dinero digital, ya sea apostando por las monedas digitales emitidas y respaldadas por un banco central (CBDC) o por las monedas virtuales descentralizadas (DEFI), lideradas por Bitcoin y Ether. El objetivo del artículo es identificar las razones que llevan a un país o zona monetaria a decantarse por alguno de estos sistemas. Una vez estudiadas las ventajas y desventajas del uso de las divisas virtuales centraremos el análisis en doce variables sobre el uso de dinero móvil extraídas del GFI (Global Findex Indicator) de los años 2011, 2014, 2017 y 2021 de todos estos países. El presente artículo demuestra, entre otras cuestiones, que la apuesta por un dinero digital basado en CBDC o DEFI depende más de la elección política de los dirigentes del país en cuestión que de criterios socioeconómicos.

Suggested Citation

  • Náñez Alonso, Sergio Luis & Echarte Fernández, Miguel Ángel & Kolegowicz, Konrad & Sanz-Bas, David & Jorge-Vázquez, Javier, 2023. "¿Qué impulsa la adopción de CBDC o bitcoin? Evidencia derivada de la experiencia del Caribe, Centroamérica y Sudamérica," Ensayos de Economía 21224, Universidad Nacional de Colombia Sede Medellín.
    • Handle: RePEc:col:000418:021224
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    More about this item

    Keywords

    CBDC; monedas digitales; política monetaria; inclusión financiera; innovación de bancos centrales; dinero digital;
    All these keywords.

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • F40 - International Economics - - Macroeconomic Aspects of International Trade and Finance - - - General

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