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

Author

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  • Cecilia Olivieri
  • Romina Quagliotti
  • Graciela Sanroman

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.

Suggested Citation

  • Cecilia Olivieri & Romina Quagliotti & Graciela Sanroman, 2022. "Debit and credit card holdings: effects of the Uruguayan Financial Inclusion Law," Documentos de Trabajo (working papers) 0422, Department of Economics - dECON.
    • Handle: RePEc:ude:wpaper:0422
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    File URL: https://hdl.handle.net/20.500.12008/31726
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    Cited by:

    1. Bertoletti, Lucía & Borraz, Fernando & Sanroman, Graciela, 2024. "Consumer Debt and Poverty: the Default Risk Gap," GLO Discussion Paper Series 1439, Global Labor Organization (GLO).

    More about this item

    Keywords

    Financial inclusion; Household finances; Payment instruments;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G50 - Financial Economics - - Household Finance - - - General
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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