{"id":2114,"date":"2021-09-02T10:58:15","date_gmt":"2021-09-02T13:58:15","guid":{"rendered":"http:\/\/amcham.dmeat.cl\/?post_type=news&p=2114"},"modified":"2021-12-30T16:46:58","modified_gmt":"2021-12-30T19:46:58","slug":"el-fin-de-las-tarjetas-de-credito-bain-company-investiga-el-comportamiento-economico-de-las-personas","status":"publish","type":"news","link":"https:\/\/amchamchile.cl\/en\/noticia\/el-fin-de-las-tarjetas-de-credito-bain-company-investiga-el-comportamiento-economico-de-las-personas\/","title":{"rendered":"\u00bfEl fin de las tarjetas de cr\u00e9dito? Bain & Company investiga el comportamiento econ\u00f3mico de las personas"},"content":{"rendered":"

Los menores de 25 a\u00f1os que no usan estos productos creci\u00f3 un 83% en EEUU en 2020.\u00a0<\/span><\/strong><\/h2>\n

Bain & Company, empresa socia de AmCham Chile, hizo una investigaci\u00f3n sobre el comportamiento que tiene la gente a la hora de usar una tarjeta de cr\u00e9dito y reflej\u00f3 que este mecanismo de pago est\u00e1 quedando en el pasado. El estudio revel\u00f3 que, durante el 2020 el porcentaje de usuarios estadounidenses menores de 25 a\u00f1os que no usan una tarjeta de cr\u00e9dito creci\u00f3 en un 83%. De hecho, al considerar el desglose de la participaci\u00f3n de mercado por tarjeta de cr\u00e9dito, el porcentaje de j\u00f3venes sin tarjetas ahora supera incluso al proveedor m\u00e1s popular.<\/span><\/span><\/p>\n

Asimismo, estas generaciones est\u00e1n utilizando alternativas de pago, como carteras digitales y \u201ccompre ahora, pague despu\u00e9s\u201d, a un ritmo mucho m\u00e1s alto que las anteriores. A medida que esta multitud envejece, la adopci\u00f3n de opciones de pago est\u00e1 lista para crecer. Adem\u00e1s, esta tendencia podr\u00eda contribuir a una disminuci\u00f3n continua en el uso de tarjetas de cr\u00e9dito: hoy, solo alrededor del 30% de los consumidores usan una de estas para financiar sus billeteras digitales.<\/span><\/p>\n

Muchas se\u00f1ales indican que las tarjetas de pl\u00e1stico seguir\u00e1n el mismo camino que los DVD.<\/span><\/strong><\/p>\n

Para los emisores de tarjetas tradicionales que buscan una evoluci\u00f3n al estilo de Netflix, ser\u00e1 fundamental adaptarse a las preferencias de los consumidores j\u00f3venes, como un proceso de configuraci\u00f3n m\u00e1s f\u00e1cil y r\u00e1pido, y crear su propio espacio en el mercado de pagos digitales.<\/span><\/p>\n

No obstante, un factor podr\u00eda retrasar la interrupci\u00f3n y es que los consumidores que utilizan alternativas de pago digital encuentran el doble de problemas en la tienda que en el formato en l\u00ednea, desde el bloqueo de la aplicaci\u00f3n hasta las dificultades de navegaci\u00f3n y los problemas de inicio de sesi\u00f3n. Por lo que, para aumentar la adopci\u00f3n, los proveedores de pago alternativos deber\u00e1n garantizar una experiencia de usuario impecable en las tiendas f\u00edsicas.<\/span><\/p>\n

El estudio de la consultora concluy\u00f3 que si los proveedores logran mitigar estos problemas, las alternativas de pago representar\u00e1n una gran amenaza para las tarjetas de cr\u00e9dito. Por lo que es importante que los inversores l\u00edderes en tecnolog\u00eda financiera deben seguir de cerca las tendencias y actuar r\u00e1pidamente para obtener la ventaja de ser el primero en moverse.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Los menores de 25 a\u00f1os que no usan estos productos creci\u00f3 un 83% en EEUU en 2020.\u00a0
\nBain & Company, empresa socia de AmCham Chile, hizo una inve…<\/p>\n","protected":false},"author":2,"featured_media":2115,"parent":0,"template":"modules-template","news_tax":[],"user_type":[],"class_list":["post-2114","news","type-news","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\n\u00bfEl fin de las tarjetas de cr\u00e9dito? Bain & Company investiga el comportamiento econ\u00f3mico de las personas - AmCham Chile<\/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:\/\/amchamchile.cl\/noticia\/el-fin-de-las-tarjetas-de-credito-bain-company-investiga-el-comportamiento-economico-de-las-personas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfEl fin de las tarjetas de cr\u00e9dito? 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