{"id":19595,"date":"2020-07-17T00:00:00","date_gmt":"2020-07-17T00:00:00","guid":{"rendered":"https:\/\/www.isdi.education\/mx\/uso-de-tarjetas-de-debito-la-gran-tendencia-en-e-commerce\/"},"modified":"2020-07-17T00:00:00","modified_gmt":"2020-07-17T00:00:00","slug":"uso-de-tarjetas-de-debito-la-gran-tendencia-en-e-commerce","status":"publish","type":"post","link":"https:\/\/www.isdi.education\/mx\/blog\/uso-de-tarjetas-de-debito-la-gran-tendencia-en-e-commerce","title":{"rendered":"Tarjetas de d\u00e9bito en e-commerce en la pandemia"},"content":{"rendered":"
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Por Mauricio Cabrera<\/strong><\/p>\n

En este mismo espacio hemos ido reportando las principales tendencias del comercio electr\u00f3nico<\/strong> en Latinoam\u00e9rica. Se asegura que la industria avanz\u00f3 el equivalente a cinco a\u00f1os ante el apuro en que nos ha metido la pandemia. Tambi\u00e9n se apunta, como siempre, a la escasa bancarizaci\u00f3n de las poblaciones latinoamericanas como el principal obst\u00e1culo a vencer. Pero a ese respecto empiezan a registrarse datos alentadores. Se los explicamos a continuaci\u00f3n:\u00a0<\/p>\n

    \n
  • Un estudio realizado por Visa Consulting & Analytics, arroja que las transacciones que se efectuaron con tarjetas de d\u00e9bito subieron ocho puntos porcentuales para la compra de un producto en l\u00ednea.<\/li>\n<\/ul>\n
      \n
    • En ese mismo tenor, se informa que las transacciones realizadas en l\u00ednea en comparaci\u00f3n con las ventas f\u00edsicas aumentaron 5.8 veces en mayo en comparaci\u00f3n a los dos primeros meses de este 2020.<\/li>\n<\/ul>\n
        \n
      • Pese al alentador dato del incremento en la utilizaci\u00f3n de tarjetas de d\u00e9bito en la regi\u00f3n, en M\u00e9xico, en lo particular, se estima, de acuerdo con el INEGI que de los 80.6 millones de mexicanos con acceso a Internet, s\u00f3lo un 16.8% lo utilizan para realizar alguna operaci\u00f3n bancaria.<\/li>\n<\/ul>\n

        La herencia del COVID-19: el h\u00e1bito de la compra a distancia<\/strong><\/h3>\n

        Entre las particularidades que trajo consigo la pandemia est\u00e1 el impulso para la industria del e-commerce, efectos no solo presentes, sino tambi\u00e9n futuros. Tras los cuatro meses de confinamiento que en promedio hemos tenido en Latinoam\u00e9rica y el n\u00famero de necesidades que tuvimos que satisfacer a trav\u00e9s de las compras en l\u00ednea, la posibilida de que ante la nueva normalidad los compradores decidan mantener como una alternativa al comercio electr\u00f3nico es alta, pues ya se ha convertido en un h\u00e1bito.\u00a0<\/p>\n

        Hasta antes de la pandemia, los usuarios ve\u00edan las compras en l\u00ednea con recelo, aseguraban que los hac\u00eda objeto potencial de fraude y dec\u00edan sentirse inseguros al momento de ingresar su informaci\u00f3n de pago. Sin embargo, como lo confirma Emilio Gonz\u00e1lez, Director General de Nubank M\u00e9xico, el incremento fue notorio. En la instituci\u00f3n que dirige, se registr\u00f3 un incremento del 50% en la realizaci\u00f3n de transacciones en l\u00ednea, pasando del 40% previo a la pandemia al 60% durante la crisis de salud mundial.\u00a0<\/p>\n

        El incremento se produjo a partir del n\u00famero de transacciones realizadas por personas que ya antes adquir\u00edan bienes o servicios en l\u00ednea, pero tambi\u00e9n a trav\u00e9s de gente que ante la necesidad, se anim\u00f3 a dar el paso de comprar en l\u00ednea por primera vez.\u00a0<\/p>\n

        Mientras la adopci\u00f3n del e-commerce mejora, la pobreza aumenta<\/strong><\/h3>\n

        Si el e-commerce es ya una realidad entre la clase alta y media en Latinoam\u00e9rica, la industria enfrentar\u00e1 grandes desaf\u00edos hacia el futuro a partir de la crisis econ\u00f3mica que, de acuerdo a la Organizaci\u00f3n de las Naciones Unidas, terminar\u00e1 provocando que m\u00e1s de 45 millones de personas vivan en un estado de pobreza en Latinoam\u00e9rica.<\/p>\n

        En el caso particular de M\u00e9xico y Brasil, de acuerdo a la misma ONU, la pandemia tambi\u00e9n provocar\u00e1 un incremento en la desigualdad social, con porcentajes que van de 4.6 al 5%.\u00a0<\/p>\n

        Ante esa situaci\u00f3n y las bajas cifras en materia de bancarizaci\u00f3n, empresas en Latinoam\u00e9rica tendr\u00e1n que seguir implementando wallets digitales que permitan a la poblaci\u00f3n dar ese paso que se necesita en la adopci\u00f3n de los pagos en l\u00ednea como una alternativa recurrente para su vida.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/section><\/div>\n","protected":false},"excerpt":{"rendered":"

        El nuevo h\u00e1bito de la compra a distancia.<\/p>\n","protected":false},"author":1,"featured_media":19594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-19595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ecommerce"],"acf":[],"yoast_head":"\nTarjetas de d\u00e9bito en e-commerce en la pandemia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.isdi.education\/mx\/blog\/uso-de-tarjetas-de-debito-la-gran-tendencia-en-e-commerce\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tarjetas de d\u00e9bito en e-commerce en la pandemia\" \/>\n<meta property=\"og:description\" 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