<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-2596</journal-id>
<journal-title><![CDATA[Lecturas de Economía]]></journal-title>
<abbrev-journal-title><![CDATA[Lect. Econ.]]></abbrev-journal-title>
<issn>0120-2596</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Antioquia]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-25962019000100071</article-id>
<article-id pub-id-type="doi">10.17533/udea.le.n90a03</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El uso de efectivo y tarjetas débito como instrumentos de pago en Colombia]]></article-title>
<article-title xml:lang="en"><![CDATA[The use of cash and debit cards as payment instruments in Colombia]]></article-title>
<article-title xml:lang="fr"><![CDATA[L&#8217;utilisation des espèces et des cartes de débit en tant qu&#8217;instruments de paiement en Colombie]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Martínez]]></surname>
<given-names><![CDATA[Constanza]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Banco de la República  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2019</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2019</year>
</pub-date>
<numero>90</numero>
<fpage>71</fpage>
<lpage>95</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-25962019000100071&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-25962019000100071&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-25962019000100071&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: Este documento estudia el impacto que la popularización de las tarjetas débito ha tenido sobre las preferencias de pago de los clientes bancarios con cuentas de depósito en Colombia. Con este fin, se utilizan modelos de ecuaciones simultáneas para analizar los pagos habituales y las compras al por menor de bienes no durables que este grupo poblacional realiza de manera presencial, en función de variables macroeconómicas, de infraestructura de pagos e idiosincráticas. Los resultados resaltan la relevancia de la tasa de interés de corto plazo, la infraestructura de pagos y el gravamen a los movimientos financieros en las preferencias por instrumentos de pago de dicha población. En particular, se observa que el aumento en el número de datáfonos ha comenzado a representar una amenaza a la preeminencia del efectivo; no obstante, factores idiosincráticos como la inseguridad y la informalidad incentivan su uso. Clasificación JEL: E41, G21, D23.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: This paper studies the impact that the popularisation of debit cards has had on the payment preferences of retail banking clients with deposit accounts in Colombia. To this end, simultaneous equation models are used to analyse the usual payments and retail purchases of non-durable goods that these people execute in person, as a function of macroeconomic variables, the payments infrastructure, and idiosyncratic variables. The results underline the relevance of the short-term interest rate, the payments infrastructure, and the financial transaction tax on the preferences for payment instruments of this population. Particularly, it is observed that the rise in the number of point-of-sale devices has started to represent a threat to the prevalence of cash, but that idiosyncratic factors such as insecurity and informality incentivise its usage. Clasificación JEL: E41, G21, D23.]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[Résumé: Cet article étudie l&#8217;impact de l&#8217;utilisation des cartes de débit sur les préférences de paiement des individus dotés d&#8217;un compte bancaire en Colombie. À cette fin, des modèles d&#8217;équations simultanées sont utilisés pour analyser les paiements et les achats au détail de biens non durables que ce groupe d&#8217;individus effectue directement chez les commerçants, en fonction de variables macroéconomiques, de l&#8217;infrastructure de paiement et des paramètres mesurant l&#8217;idiosyncrasie des individus. Les résultats mettent en évidence que les préférences pour les instruments de paiement sont déterminées par le taux d&#8217;intérêt à court terme, l&#8217;infrastructure de paiement et la taxe sur les mouvements financiers. On constate en particulier que l&#8217;augmentation du nombre de terminaux de paiements électroniques a commencé à représenter une menace pour la prééminence de l&#8217;argent liquide. Cependant, les facteurs idiosyncratiques tels que l&#8217;insécurité et l&#8217;informalité encouragent son utilisation. Clasificación JEL: E41, G21, D23.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[demanda por dinero]]></kwd>
<kwd lng="es"><![CDATA[tarjeta débito]]></kwd>
<kwd lng="es"><![CDATA[costos transaccionales]]></kwd>
<kwd lng="en"><![CDATA[money demand]]></kwd>
<kwd lng="en"><![CDATA[debit card]]></kwd>
<kwd lng="en"><![CDATA[transaction costs]]></kwd>
<kwd lng="fr"><![CDATA[demande de monnaie]]></kwd>
<kwd lng="fr"><![CDATA[carte de débit]]></kwd>
<kwd lng="fr"><![CDATA[coûts de transaction]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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