The banking sector in Colombia has been the largest contributor to economic growth. While loan portfolio growth has moderated this year, loan quality indicators have not significantly deteriorated. Access to banking services has expanded, with over 76% of the adult population now having at least one financial product. However, cash usage remains high in Colombia compared to other countries, and expanding digital payments presents an ongoing challenge.
The Future of Philippine Payments Industry: A Technology Foresight by 2022Maurice Gonzales, MTM
This presentation summarizes the 80 page capstone project of Maurice Gonzales entitled: The Future of Philippine Payments Industry: A Technology Foresight by 2022.
The final and full copy of the paper is available at the University of The Philippines, Technology Management Center library and in the theses database of the said institution.
10th Annual World Payments Report 2014 from Capgemini and The Royal Bank of S...Capgemini
Ten years after publishing the first World Payments Report, Capgemini and RBS continue to provides insight into global and regional non-cash payment trends. This year it gives us a view on cross border payments and a spotlight on the U.S. market; the latest regulatory and industry initiatives including PSD2, immediate payments and intraday liquidity management; innovation within payment processing; and key changes over the last 10 years and what can we expect from the payments industry over the next 10 years.
MEDICI’s new ‘Indonesia FinTech Report 2021’ analyzes the country’s FinTech sector and trends in the last three years—a deep-dive by segments & subsegments, funding patterns, M&As, ecosystem partnerships, industry drivers, and perspectives drawn out of regulatory, geopolitical, economic, and market dynamics.
The Fintech industry which is the backbone of all economies has also been impacted because of Covid. What are the implications of Covid to an important sector?
The Future of Philippine Payments Industry: A Technology Foresight by 2022Maurice Gonzales, MTM
This presentation summarizes the 80 page capstone project of Maurice Gonzales entitled: The Future of Philippine Payments Industry: A Technology Foresight by 2022.
The final and full copy of the paper is available at the University of The Philippines, Technology Management Center library and in the theses database of the said institution.
10th Annual World Payments Report 2014 from Capgemini and The Royal Bank of S...Capgemini
Ten years after publishing the first World Payments Report, Capgemini and RBS continue to provides insight into global and regional non-cash payment trends. This year it gives us a view on cross border payments and a spotlight on the U.S. market; the latest regulatory and industry initiatives including PSD2, immediate payments and intraday liquidity management; innovation within payment processing; and key changes over the last 10 years and what can we expect from the payments industry over the next 10 years.
MEDICI’s new ‘Indonesia FinTech Report 2021’ analyzes the country’s FinTech sector and trends in the last three years—a deep-dive by segments & subsegments, funding patterns, M&As, ecosystem partnerships, industry drivers, and perspectives drawn out of regulatory, geopolitical, economic, and market dynamics.
The Fintech industry which is the backbone of all economies has also been impacted because of Covid. What are the implications of Covid to an important sector?
The Philippines’ fintech ecosystem is brimming with innovation with a vibrant mix of entrepreneurs attempting to fill in the gap within the financial system. Despite the strides that the country has made in this space, the Philippines’ narrative has often been overlooked by international media when examining financial innovations within South East Asia.
I was commissioned by Fintechnews Network to create this report, from research to layout.
For more service like this, reach me at LinkedIn@jocelyn18 or jocelyncy@gmail.com. Thanks!
Payments: Future in Pakistan, the Action Plan and the Role of SBPMansoor A. Seelro
The presentation summarily presents the assignment blogged on medium.com with the same title. It describes the payment methods as going to change our entire financial system.
After years of stagnation following the financial crisis, the banking and financial services industry is seeing positive momentum, though there are still challenges ahead.
Industry employment grew at its strongest rate since 2006, up 1.9 percent year-over-year, though it remains 3.7 percent below the pre-recession peak. As firms focus on further improvement, core strategies across the board are to continue to rein in expenses, and increase revenue through organic growth.
Flip through this presentation to see the key trends we see impacting the banking and financial services industry today, and where we see it going in coming year. For more information, visit http://bit.ly/1BMQoJg
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
A summary overview of the fintech landscape in Bangladesh. We first take a look at the global history of fintechs, then the history of fintechs in Bangladesh.
Using the Financial Hub Readiness (FHR) Index that I personally developed, I identified and assessed the strengths and weaknesses of various global fintech hubs. Based on this assessment, I proposed a hypothetical P2P lending and funding transfer product, that can be financed and implemented by major technological players in the ecosystem.
This project was done to fulfill my requirement for the Internship course, for my BBA undergraduate program at Institute of Business Administration, University of Dhaka. This was the first time I had to work alone on an academic project of this magnitude. I am very satisfied with how it turned out, given the limited time and resources I had to execute it.
Special thanks to all of my colleagues, peers and friends who advised me, in both professional and emotional capacities, when I was working on this project.
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
While innovative new technologies have been very efficient in combating traditional fraud, our research has found that digital technologies are also giving rise to new types of digital tax fraud: the increase in the number of e-filings of tax returns across geographies is driving new types of fraud using identity theft as the basis.
Another type of fraud taking shape is Zapping – using software programs to automatically skim cash from electronic cash registers (ECR) or point of sale systems.
Similarly, the growing usage of third-party payroll processors is opening up a whole new avenue of fraud where unscrupulous processors siphon off taxes due to the state.
Our analysis of these new digital tax frauds shows that inaction is not an option for tax authorities. We have modelled the evolution of tax fraud, taking into account new incidents of fraud enabled by digital technologies. Our findings are sobering for tax authorities. In a scenario where tax authorities continue to fight new tax fraud with conventional tools, we estimate digital tax fraud in the US will rise from $32 billion to $49 billion by 2020.
To combat this staggering scale of fraud, conventional methods are too slow for the digital age. Tax authorities must move away from an incremental, piecemeal approach to a much more comprehensive transformative line of attack with a long-term vision, roadmap and multifaceted solutions involving people, processes and technology.
What is the impact of inaction of tax authorities to rein in new types of digital tax fraud? How can analytics be used as an effective weapon to fight against digital tax fraud.
Sample Report: 2021 Key Trends of the Payment Industry: Real-Time Payments in...yStats.com
- How did the payments via the Real-Time Gross Settlement system change amid the pandemic in Egypt?
- What was the increase of the transaction volume of Ghana’s real-time payments during the outbreak?
- How did the transaction value of real-time payments in South Africa change during the pandemic?
- How is NamPay in Namibia going to improve the payment industry of the country?
- What was the volume growth of the Kenyan real-time system amid the COVID-19 outbreak?
Full Report Link: https://bit.ly/3rW7A2j
As part of Societe Generale Global Solution Centre's 'Tech Connect' initiative, I did a webinar on 18th June 2021 on the topic 'Influence of Fintech on the Banking Sector'.
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
[Abstract] Demonetisation: Push Towards a Digital EconomyShreyas Kamath
Presented at Guru Nanak College of Arts, Science & Commerce.
The paper identified the required infrastructure for sustaining the impacts of demonetisation on financial technology and consumer behavior.
The Banking-as-a-Service 2.0 report is an in-depth analysis of the fast-evolving BaaS segment. In this report, we analyze the global landscape of specialized FinTech companies and banks that have BaaS as core to their business, funding and investment patterns since 2018, regulatory & market drivers, and a host of industry expert opinions.
The Philippines’ fintech ecosystem is brimming with innovation with a vibrant mix of entrepreneurs attempting to fill in the gap within the financial system. Despite the strides that the country has made in this space, the Philippines’ narrative has often been overlooked by international media when examining financial innovations within South East Asia.
I was commissioned by Fintechnews Network to create this report, from research to layout.
For more service like this, reach me at LinkedIn@jocelyn18 or jocelyncy@gmail.com. Thanks!
Payments: Future in Pakistan, the Action Plan and the Role of SBPMansoor A. Seelro
The presentation summarily presents the assignment blogged on medium.com with the same title. It describes the payment methods as going to change our entire financial system.
After years of stagnation following the financial crisis, the banking and financial services industry is seeing positive momentum, though there are still challenges ahead.
Industry employment grew at its strongest rate since 2006, up 1.9 percent year-over-year, though it remains 3.7 percent below the pre-recession peak. As firms focus on further improvement, core strategies across the board are to continue to rein in expenses, and increase revenue through organic growth.
Flip through this presentation to see the key trends we see impacting the banking and financial services industry today, and where we see it going in coming year. For more information, visit http://bit.ly/1BMQoJg
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
A summary overview of the fintech landscape in Bangladesh. We first take a look at the global history of fintechs, then the history of fintechs in Bangladesh.
Using the Financial Hub Readiness (FHR) Index that I personally developed, I identified and assessed the strengths and weaknesses of various global fintech hubs. Based on this assessment, I proposed a hypothetical P2P lending and funding transfer product, that can be financed and implemented by major technological players in the ecosystem.
This project was done to fulfill my requirement for the Internship course, for my BBA undergraduate program at Institute of Business Administration, University of Dhaka. This was the first time I had to work alone on an academic project of this magnitude. I am very satisfied with how it turned out, given the limited time and resources I had to execute it.
Special thanks to all of my colleagues, peers and friends who advised me, in both professional and emotional capacities, when I was working on this project.
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
While innovative new technologies have been very efficient in combating traditional fraud, our research has found that digital technologies are also giving rise to new types of digital tax fraud: the increase in the number of e-filings of tax returns across geographies is driving new types of fraud using identity theft as the basis.
Another type of fraud taking shape is Zapping – using software programs to automatically skim cash from electronic cash registers (ECR) or point of sale systems.
Similarly, the growing usage of third-party payroll processors is opening up a whole new avenue of fraud where unscrupulous processors siphon off taxes due to the state.
Our analysis of these new digital tax frauds shows that inaction is not an option for tax authorities. We have modelled the evolution of tax fraud, taking into account new incidents of fraud enabled by digital technologies. Our findings are sobering for tax authorities. In a scenario where tax authorities continue to fight new tax fraud with conventional tools, we estimate digital tax fraud in the US will rise from $32 billion to $49 billion by 2020.
To combat this staggering scale of fraud, conventional methods are too slow for the digital age. Tax authorities must move away from an incremental, piecemeal approach to a much more comprehensive transformative line of attack with a long-term vision, roadmap and multifaceted solutions involving people, processes and technology.
What is the impact of inaction of tax authorities to rein in new types of digital tax fraud? How can analytics be used as an effective weapon to fight against digital tax fraud.
Sample Report: 2021 Key Trends of the Payment Industry: Real-Time Payments in...yStats.com
- How did the payments via the Real-Time Gross Settlement system change amid the pandemic in Egypt?
- What was the increase of the transaction volume of Ghana’s real-time payments during the outbreak?
- How did the transaction value of real-time payments in South Africa change during the pandemic?
- How is NamPay in Namibia going to improve the payment industry of the country?
- What was the volume growth of the Kenyan real-time system amid the COVID-19 outbreak?
Full Report Link: https://bit.ly/3rW7A2j
As part of Societe Generale Global Solution Centre's 'Tech Connect' initiative, I did a webinar on 18th June 2021 on the topic 'Influence of Fintech on the Banking Sector'.
Alternative lending options have grown rapidly over the past 10 years. This deck offers an overview of digital credit and key takeaways from contexts around the world.
[Abstract] Demonetisation: Push Towards a Digital EconomyShreyas Kamath
Presented at Guru Nanak College of Arts, Science & Commerce.
The paper identified the required infrastructure for sustaining the impacts of demonetisation on financial technology and consumer behavior.
The Banking-as-a-Service 2.0 report is an in-depth analysis of the fast-evolving BaaS segment. In this report, we analyze the global landscape of specialized FinTech companies and banks that have BaaS as core to their business, funding and investment patterns since 2018, regulatory & market drivers, and a host of industry expert opinions.
Presentation from 11th Crystal Ball Business Luncheon at CANCHAM (Canadian Chamber of Commerce Vietnam) given by the Ralf Matthaes.
Presentation highlights consumer and economic trends of the passing year (2015) and what we should expect in 2016.
Ralf is a Managing Director of Infocus Mekong Research (IFM): an innovative technology-driven market research agency specializing in mobile, custom & integrated strategic research in Vietnam, Myanmar, Cambodia and Laos region.
Budget analysis of Bangladesh (FY 2009 10 to FY 2016-17)BablahKhan
This is a presentation of working paper on Budget analysis of Bangladesh ( FY 2009 10 to FY 2016-17). This contains all about those year budget and there have all comparative advantages , disadvantages. Lastly there have recommendation of all presenter.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
3. Source: DANE and Asobancaria’s calculations.
Financial sector is the most representative activity in the economy. Also, it has been
the main contributor to economic growth.
29.3
18.1
13.4
12.4
11.5
6.5
3.6
3.3
2.4
0 5 10 15 20 25 30
Financing and business
services
Social and personal services
Retail, restaurants and hotels
Construction industry
Mining industry
Transportation and
communication
Manufacturing industry
Agriculture
Utilities
%
Sectorial contribution to economic growth (%)
2008 – 2016Q2
22.8
17.1
13.4
12.6
8.2
7.8
7.3
6.7
3.7
Sectorial participation in GDP 2016 (%)
Second Quarter
Construction
industry
Social and
personal
services
Agriculture
Transportation
Retail,
restaurants
and hotels
Mining Financing and
business services
Utilities
Manufacturing
Industry
4. /1 Non-performing loans/Total loan portfolio
/2 Loan-loss provision/ Total loan portfolio
Source: Superintendencia Financiera, Banco de la República
and Asobancaria’s calculations.
3.2
1.0
2.0
3.0
4.0
5.0
Aug-08
Feb-09
Aug-09
Feb-10
Aug-10
Feb-11
Aug-11
Feb-12
Aug-12
Feb-13
Aug-13
Feb-14
Aug-14
Feb-15
Aug-15
Feb-16
Aug-16
%
Loan portfolio quality indicator/1
14.9
9.0
4
8
12
16
20
Aug-08
Feb-09
Aug-09
Feb-10
Aug-10
Feb-11
Aug-11
Feb-12
Aug-12
Feb-13
Aug-13
Feb-14
Aug-14
Feb-15
Aug-15
Feb-16
Aug-16
%
Solvency Ratio
Solvency ratio Regulatory minimum
143.7
100
120
140
160
180
200
Aug-08
Feb-09
Aug-09
Feb-10
Aug-10
Feb-11
Aug-11
Feb-12
Aug-12
Feb-13
Aug-13
Feb-14
Aug-14
Feb-15
Aug-15
Feb-16
Aug-16
%
Coverage Ratio/2
In addition to its contribution to the country's development, banking system has
proven to be one of the strongest sectors in the economy.
318.1
100.0
-50
50
150
250
350
450
550
Jan-12
Apr-12
Jul-12
Oct-12
Jan-13
Apr-13
Jul-13
Oct-13
Jan-14
Apr-14
Jul-14
Oct-14
Jan-15
Apr-15
Jul-15
Oct-15
Jan-16
Liquidity Risk Indicator (IRL)
Series1 Series2Regulatory minimumIRL
5. This year has been characterized by a generalized moderation of loan portfolio
growth, with contractions of microcredit and commercial loan portfolios. This
slowdown is due to economic cycle and the effect of domestic monetary policy.
Source: Superintendencia Financiera de Colombia and Asobancaria’s
calculations.
-1.3
1.2
-3
2
7
12
17
22
2010 2011 2012 2013 2014 2015 Aug-16
Commercial
Commercial Total 3.8
1.2
0
6
12
18
24
30
2010 2011 2012 2013 2014 2015 Aug-16
Consumption
Consumption Total
-2.5
1.2
-5
5
15
25
35
2010 2011 2012 2013 2014 2015 Aug-16
Microcredit
Microcredit Total
8.4
1.2
0
10
20
30
40
2010 2011 2012 2013 2014 2015 Aug-16
Mortgage
Mortgage Total
Loan Portfolio YoY (%)
15. NUMBER OF BRANCHES
4,342 4,488 4,518
4,921 5,102
5,398 5,486
5,784 5,812
-
1,000
2,000
3,000
4,000
5,000
6,000
7,000
2008 2009 2010 2011 2012 2013 2014 2015 2016
Number of Branches
Number of Branches
16. NUMBER OF TRANSACTIONS
Today more Colombians make theirs transaction through digital channels, about
50% of the total transactions (monetary and no monetary) are done through
these channels.
32% 35% 37%
44% 47%
21%
20% 19%
17%
15%
23% 21% 19%
15% 13%
11% 11% 11% 11% 10%
1% 2% 3% 3% 4%
2.1% 2.8% 3.2% 3.4% 3.7%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2012 2013 2014 2015 2016
Automatic Payments
Telephone
ACH
Banking Agents
Mobile Phones
POS
Branches
ATMs
Internet
22. 7.7
11.7
0
10
20
30
40
50
60
70
80
90
100
2005 2014
United States
2.1
4.2
2005 2014
Switzerland
20.
1
6.9
2005 2014
Japan
8.3
14.4
2005 2014
Countries
member of
CPMI
4
8.7
2005 2014
Brazil
7.5
1.5
2005 2014
Colombia
6.2
15.
7
-10
-5
0
5
10
15
20
2005 2014
Mexico
7.9
0.4
2005 2014
Peru
Cash on
circulation/GDP
Porcentajedeefectivoencirculación/PIB
P0agoselectrónicos,númerodeveceselPIB
Cash on circulation and electronic payments vs GDP
Amount of electronic payments: :
número de veces el PIB (right
axis)
Editor's Notes
Durante los últimos años el proceso de bancarización ha sido constante y alcanzó a diciembre de 2016 un 77,3% de la población adulta. Los restos que se vienen son grandes, ya que i) la mayor parte de la población que aun permanece sin contacto con el sistema financiero se encuentra en áreas rurales y rurales dispersas; y ii) los niveles de uso de los productos aún son bajos.
El producto con mayor penetración en el mercado es la cuenta de ahorro. La gráfica de arriba muestra el NUMERO DE PERSONAS con cuenta de ahorro y la de abajo el NUMERO DE CUENTAS DE AHORRO. Esto nos dice que en el país hay aproximadamente dos cuentas por persona y refleja problemáticas como que se abre la cuenta para recibir un pago de subsidios o salario, y nunca más se usa de nuevo.
Esta gráfica muestra los productos de a banca colombiana que son de naturaleza electrónica como por ejemplo las CATS que tienen una concepción de promover el ahorro, y otros como los depósitos electrónicos que son más transaccionales.
Nota: El ticket promedio de transacciones con tarjeta de crédito ha venido disminuyendo, gracias al mayor uso de las tarjetas para realizar pagos de bajos montos a través de su celular ( transacciones a través de Apps como domicilios y/o pagos de servicios de transporte (Uber-taxi)
Nota: a pesar de que el Ticket promedio de las transacciones con débito se ha mantenido estable, se puede evidenciar como en los últimos años, el monto de las compras realizadas con estas tarjetas ha venido ganando participación en el total del PIB de consumo.
Nota: Del total de operaciones (monetarias y no monetarias) realizadas en el sistema financiero en el 2016, el 45.6% se realizaron a través del canal de internet y el 3.9% se realizaron a través del canal telefonía móvil. El uso de canales demuestra que existe una migración de los clientes hacia canales no tradicionales como internet y pagos electrónicos (ACH), Un ejemplo de esto es la disminución de la participación de las oficinas en el total de las operaciones
Nota: Del total de operaciones (monetarias y no monetarias) realizadas en el sistema financiero en el 2016, el 45.6% se realizaron a través del canal de internet y el 3.9% se realizaron a través del canal telefonía móvil. El uso de canales demuestra que existe una migración de los clientes hacia canales no tradicionales como internet y pagos electrónicos (ACH), Un ejemplo de esto es la disminución de la participación de las oficinas en el total de las operaciones
Nota: a pesar de que el canal internet ha venido ganando participación en el monto de las transacciones, las oficinas siguen siendo el canal a través del cual los consumidores realizan la mayoría de sus transacciones monetarias.
Luego de la crisis de finales de los 90s, el uso del efectivo se disparo y aún no se ha logrado llegar a los niveles pre-crisis. Se espera que con la ampliación de la oferta de la banca de dinero móvil y la llegada de las SEDPE, este indicador se reduzca significativamente.
Esta gráfica muestra la tendencia a nivel mundial del crecimiento de los pagos electrónicos. Se destacan las deiciones de política pública de Mexico que hicieron que en los últimos 10 años creciera la proporción en más de 150%. Por otra parte, mirando el comportamiento del efectivo, este ha crecido en algunas economías y en otras no, por lo que no se pueden hacer conclusiones al respecto.