Monedas sociales en la era digitalretos y oportunidades

  1. Albert, Juan Francisco 1
  2. Gómez Fernández, Nerea 1
  3. Náñez Alonso, Sergio Luis 2
  1. 1 Universitat de València
    info

    Universitat de València

    Valencia, España

    ROR https://ror.org/043nxc105

  2. 2 Universidad Católica de Ávila
Revista:
CIRIEC - España. Revista de economía pública, social y cooperativa

ISSN: 0213-8093

Año de publicación: 2024

Número: 110

Páginas: 163-200

Tipo: Artículo

DOI: 10.7203/CIRIEC-E.110.25755 DIALNET GOOGLE SCHOLAR lock_openAcceso abierto editor

Otras publicaciones en: CIRIEC - España. Revista de economía pública, social y cooperativa

Resumen

En los últimos años se han experimentado dos procesos de innovación monetaria de forma simultánea: la digitalización del dinero y el auge de las monedas sociales. Estas tendencias se han integrado y han dado lugar a la aparición de lo que denominamos monedas sociales digitales. El presente trabajo tiene dos objetivos. Por un lado, se realiza una evaluación de las ventajas e inconvenientes de una digitalización completa de las monedas sociales. Si bien las nuevas tecnologías y la digitalización ofrecen ventajas notorias a las monedas sociales como pueden ser la posibilidad de dotarlas de un mayor alcance y eficiencia, también tienen aparejado una serie de retos y problemas. Entre los problemas más importantes destaca la exclusión de uso por parte de los individuos con poco interés o pocas habilidades digitales. Centrándonos en este problema, en la segunda parte del trabajo realizamos un análisis cuantitativo, a través de modelos logísticos multinivel y datos de la encuesta Global Findex, para discernir qué estratos de la población son menos susceptibles al uso de medios de pagos digitales. Conocer los grupos poblaciones que podrían verse excluidos de las monedas sociales digitales puede servir para elaborar y diseñar políticas públicas destinadas a mejorar la inclusión financiera y digital de toda la población.

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