{"id":4981,"date":"2023-06-12T16:52:57","date_gmt":"2023-06-12T21:52:57","guid":{"rendered":"https:\/\/willardmanrique.pe\/?p=4981"},"modified":"2023-10-05T16:56:17","modified_gmt":"2023-10-05T21:56:17","slug":"dia-1-3","status":"publish","type":"post","link":"https:\/\/willardmanrique.pe\/en\/2023\/06\/12\/dia-1-3\/","title":{"rendered":"D\u00eda 1"},"content":{"rendered":"
<\/div><\/div>

Consumo financiero: \u00bfQu\u00e9 piensan los peruanos del dinero?<\/h3><\/div>
<\/div>

Por Willard Manrique<\/span><\/b>,\u00a0<\/span><\/i><\/b>
\n<\/span>CEO de Grupo Crosland y Profesor del PAD, Escuela de Direcci\u00f3n de la Universidad de Piura.<\/p>\n

Si bien nos encontramos en un contexto econ\u00f3mico complejo, el Banco Mundial a\u00fan mantiene las expectativas de crecimiento para Latinoam\u00e9rica en un 1.4%. Pese a ello, el peruano est\u00e1 ahorrando m\u00e1s. Seg\u00fan el Reporte Smart Banking de Kantar IBOPE MEDIA, el 76% de los peruanos viene gastando el dinero con m\u00e1s cuidado. La inflaci\u00f3n promedio que vivimos en el 2022, alrededor del 8,5%, impulsa a que las personas busquen maximizar el valor del dinero. Esto, que se vio reflejado en el consumo con una mayor compra de productos de m\u00e1s volumen y menor precio, no es fruto de un comportamiento pasajero, sino que, en los \u00faltimos a\u00f1os, visibiliza un cambio de mentalidad.<\/p>\n

El 63% de las personas, seg\u00fan reporta el mencionado estudio de Kantar IBOPE MEDIA, indican que est\u00e1n en la b\u00fasqueda de mejores servicios e inversiones financieras. Es decir, 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 los 25 y 34 a\u00f1os los que expresan m\u00e1s preocupaci\u00f3n (74%).<\/p>\n

La tecnolog\u00eda ha sido en los \u00faltimos a\u00f1os un agente promotor de la inclusi\u00f3n financiera y un recurso para incrementar la oferta de servicios en este sector. Sin embargo, los canales vienen experimentando cambios, sobre todo en la banca personas. A nivel global, a la consolidaci\u00f3n de la banca m\u00f3vil se suma el desarrollo de canales como la banca en l\u00ednea<\/em>, la banca por voz<\/em> (utilizan asistentes virtuales como Alexa, Google Assistant o Siri), cajeros autom\u00e1ticos m\u00e1s inteligentes<\/em> y la banca social<\/em> (permite interactuar con clientes a trav\u00e9s de las redes sociales).<\/p>\n

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 Este deseo de cercan\u00eda va acompa\u00f1ado de una mayor demanda de informaci\u00f3n. El 43% de las personas elige un servicio financiero por su tasa de inter\u00e9s y un 27% por la imagen del banco. La reputaci\u00f3n prevalece como un factor de elecci\u00f3n en el 37% de las personas con 45 a\u00f1os a m\u00e1s.<\/p>\n

Los peruanos vienen utilizando menos dinero f\u00edsico. Si solo analizamos que, entre enero y octubre del a\u00f1o pasado, las billeteras digitales realizaron m\u00e1s de 979.5 millones de operaciones \u2014 seg\u00fan ASBANC\u2014 estamos ante cambios que no van a retroceder. El dinero f\u00edsico es a\u00fan la principal forma de pago, pero ya el 35% de los peruanos realiza pagos virtuales (18% est\u00e1 entre los j\u00f3venes de 18 y 24 a\u00f1os), seg\u00fan el reporte de Kantar. Los bancos asumen 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.<\/p>\n<\/div>

<\/div>
Revisa la nota completa<\/span><\/i><\/a><\/div><\/div><\/div>
<\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":4984,"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":[134],"tags":[],"class_list":["post-4981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos"],"yoast_head":"\nD\u00eda 1 - Willard Manrique<\/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:\/\/willardmanrique.pe\/en\/2023\/06\/12\/dia-1-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00eda 1 - Willard Manrique\" \/>\n<meta property=\"og:url\" content=\"https:\/\/willardmanrique.pe\/en\/2023\/06\/12\/dia-1-3\/\" \/>\n<meta property=\"og:site_name\" content=\"Willard Manrique\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-12T21:52:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-05T21:56:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/willardmanrique.pe\/wp-content\/uploads\/2023\/10\/3.ABRIL_.QUE-PEINSAN-LOS-PERUANOS-DEL-DINERO_SHORT.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1202\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Willard Manrique\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Willard Manrique\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/\"},\"author\":{\"name\":\"Willard Manrique\",\"@id\":\"https:\/\/willardmanrique.pe\/#\/schema\/person\/5341186d124454865261f1dc3f296696\"},\"headline\":\"D\u00eda 1\",\"datePublished\":\"2023-06-12T21:52:57+00:00\",\"dateModified\":\"2023-10-05T21:56:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/\"},\"wordCount\":1896,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/willardmanrique.pe\/#\/schema\/person\/5341186d124454865261f1dc3f296696\"},\"image\":{\"@id\":\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/willardmanrique.pe\/wp-content\/uploads\/2023\/10\/3.ABRIL_.QUE-PEINSAN-LOS-PERUANOS-DEL-DINERO_SHORT.webp\",\"articleSection\":[\"Art\u00edculos\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/\",\"url\":\"https:\/\/willardmanrique.pe\/2023\/06\/12\/dia-1-3\/\",\"name\":\"D\u00eda 1 - 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