{"id":4943,"date":"2023-07-07T10:52:18","date_gmt":"2023-07-07T15:52:18","guid":{"rendered":"https:\/\/willardmanrique.pe\/?p=4943"},"modified":"2023-10-04T12:47:12","modified_gmt":"2023-10-04T17:47:12","slug":"pqs-pe","status":"publish","type":"post","link":"https:\/\/willardmanrique.pe\/en\/2023\/07\/07\/pqs-pe\/","title":{"rendered":"PQS.pe"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-padding-top-medium:20px;--awb-padding-right-medium:30px;--awb-padding-left-medium:30px;--awb-padding-right-small:10px;--awb-padding-left-small:10px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1320.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_6 1_6 fusion-flex-column fusion-no-small-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-margin-top-large:5px;--awb-spacing-right-large:11.52%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:11.52%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:25px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:25;line-height:1.32;\">Ahorro y menos uso de dinero f\u00edsico: peruanos digitalizan su gesti\u00f3n financiera<\/h3><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-1\"><ul>\n<li><em>Seg\u00fan Kantar Ibope Media, el 63% de las personas buscan mejorar su inversi\u00f3n financiera. <\/em><\/li>\n<li><em>Los peruanos vienen utilizando menos dinero f\u00edsico en su d\u00eda cotidiana<\/em><\/li>\n<li><em>El 76% de los peruanos realizan sus compras de forma razonable, evaluando el costo de los productos o servicios.<\/em><\/li>\n<\/ul>\n<p>El Banco Mundial redujo la proyecci\u00f3n de crecimiento del PBI Peruano, el pasado junio, recort\u00e1ndolo de 2.6% a 2.2.% para este a\u00f1o. Una perspectiva menor al 2022 y que en el marco del venidero fen\u00f3meno de El Ni\u00f1o puede complicar la situaci\u00f3n econ\u00f3mica de empresas y consumidores. Esto impacta en la manera que las personas gestionan sus ingresos y administran su dinero frente a los gastos.<\/p>\n<p>En junio, el \u00edndice de precios al consumidor de Lima Metropolitana retrocedi\u00f3 en -0,15%. Lo que contribuye en el retroceso inflacionario anual lime\u00f1o que se situ\u00f3 en 6.46%, seg\u00fan INEI, siendo la menor cifra registrada desde marzo del pasado 2022. Aunque la inflaci\u00f3n entre enero y junio de este a\u00f1o a\u00fan est\u00e1n dentro del rango meta (entre 1 y 3%) del BCR, se puede esperar que al cierre de 2023 todav\u00eda se mantenga dentro del mismo.<\/p>\n<p>La preocupaci\u00f3n por el dinero es permanente en el consumidor. Pese a ello, una parte de la poblaci\u00f3n viene ahorrando m\u00e1s. Seg\u00fan el Reporte Smart Banking de Kantar IBOPE MEDIA, el 76% de los peruanos viene gastando con m\u00e1s cuidado. Tambi\u00e9n, el 63% de las personas indica que est\u00e1n en la b\u00fasqueda de mejores servicios e inversiones financieras.<\/p>\n<p>Willard Manrique, CEO del Grupo Crosland y especialista en Direcci\u00f3n y Gesti\u00f3n Comercial del PAD, en los \u00faltimos a\u00f1os, indica que la tecnolog\u00eda ha sido un agente promotor de la inclusi\u00f3n financiera y un recurso para incrementar la oferta de servicios del sector financiero: \u201cSin embargo, los canales vienen experimentando cambios, sobre todo en la banca personal. A nivel global, a la consolidaci\u00f3n de la banca m\u00f3vil se suma el desarrollo de canales como la <em>banca en l\u00ednea<\/em>, la <em>banca por voz<\/em> (utilizan asistentes virtuales como Alexa, Google Assistant o Siri), <em>cajeros autom\u00e1ticos m\u00e1s inteligentes<\/em> y la <em>banca social<\/em>, que permiten interactuar con clientes a trav\u00e9s de las redes sociales\u201d.<\/p>\n<p>Manrique resalta que la inflaci\u00f3n promedio impulsa a que las personas busquen maximizar el valor del dinero. La mayor compra de productos con m\u00e1s volumen y menor precio no es fruto de un comportamiento pasajero, sino que, en los \u00faltimos a\u00f1os, refleja un cambio de mentalidad y el comportamiento de compra. Como lo indica el informe de Kantar IBOPE MEDIA, el deseo de ahorrar dinero encuentra, en una oferta variada y accesible de inversiones, el desarrollo de nuevas formas de ahorro. Si bien este comportamiento es distinto en funci\u00f3n a las edades, son los j\u00f3venes entre 25 y 34 a\u00f1os los que expresan m\u00e1s preocupaci\u00f3n (74%).<\/p>\n<p>El principal factor de elecci\u00f3n de un servicio financiero es la atenci\u00f3n y calidad de servicio (un 49% lo indica as\u00ed). Esta no se estar\u00eda viendo afectada pese al cierre de muchas agencias f\u00edsicas.\u00a0 El deseo de cercan\u00eda va acompa\u00f1ado de una mayor demanda de informaci\u00f3n. Un 43% de las personas elige un servicio financiero por su tasa de inter\u00e9s y el 27% por la imagen del banco, precisa el reporte.<\/p>\n<p>El informe &#8216;CBDC: Promoviendo los pagos digitales en el Per\u00fa&#8217; del Banco Central de Reserva, indica que entre el 2015 y diciembre del 2022,\u00a0se quintuplic\u00f3 el n\u00famero de transacciones digitales, un promedio de 174 operaciones por persona. \u201cLos peruanos vienen utilizando menos dinero f\u00edsico. Los bancos asumen as\u00ed el reto de potenciar el valor del dinero de sus clientes y mantenerse m\u00e1s cercanos, principios que no siempre se asocian a un sector tan transaccional\u201d, precisa Willard Manrique.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:33px;width:100%;\"><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#003591;--button_gradient_bottom_color:#003591;--button_gradient_top_color_hover:rgba(24,27,32,0.92);--button_gradient_bottom_color_hover:rgba(24,27,32,0.92);\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/willardmanrique.pe\/wp-content\/uploads\/2023\/10\/3.JULIO_.PUBLICACIO\u0301N-1-Ahorro-y-menos-dinero-fi\u0301sico_-peruanos-digitalizan-su-gestio\u0301n-financi_-completo.webp\"><span class=\"fusion-button-text\">revisa la nota completa<\/span><i class=\"fa-angle-right fas button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:8%;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:rgba(40,45,51,0.1);border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_6 1_6 fusion-flex-column fusion-no-small-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-margin-top-large:5px;--awb-spacing-right-large:11.52%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:11.52%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":4947,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[133],"tags":[],"class_list":["post-4943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-notas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - 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