{"id":13645,"date":"2025-04-19T11:00:57","date_gmt":"2025-04-19T11:00:57","guid":{"rendered":"https:\/\/www.criptofacil.com\/es\/?p=13645"},"modified":"2025-04-18T15:27:50","modified_gmt":"2025-04-18T15:27:50","slug":"en-espana-los-pagos-digitales-superan-a-los-pagos-fisicos","status":"publish","type":"post","link":"https:\/\/www.criptofacil.com\/es\/en-espana-los-pagos-digitales-superan-a-los-pagos-fisicos\/","title":{"rendered":"En Espa\u00f1a, los pagos digitales superan a los pagos f\u00edsicos"},"content":{"rendered":"<p>Los pagos digitales, tanto en tarjeta como m\u00f3viles, superaron al efectivo en los comercios f\u00edsicos en Espa\u00f1a. Seg\u00fan el banco hom\u00f3nimo, las tarjetas y apps m\u00f3viles como Bizum o Apple Pay ganaron protagonismo, aunque la privacidad sigue siendo una preocupaci\u00f3n entre los consumidores.<\/p>\n<p>El portal web espa\u00f1ol Noticias Bancarias public\u00f3 el estudio de la entidad bancaria y la investigaci\u00f3n analiz\u00f3 los h\u00e1bitos de pago de m\u00e1s de 40.000 ciudadanos de la eurozona.<\/p>\n<ul>\n<li>Lee tambi\u00e9n: <a href=\"https:\/\/www.criptofacil.com\/es\/binance-ayuda-a-paises-a-crear-reservas-de-criptomonedas-y-planea-abrir-una-sede-global\/\">Binance ayuda a pa\u00edses a crear reservas de criptomonedas y planea abrir una sede global<\/a><\/li>\n<\/ul>\n<h2>La investigaci\u00f3n del Banco de Espa\u00f1a<\/h2>\n<p>El informe destac\u00f3 que los pagos digitales se han triplicado respecto a 2019, reflejando una evoluci\u00f3n clara hacia un modelo de consumo m\u00e1s digitalizado. En el entorno online, el 51% de las transacciones se realizaron con tarjeta, mientras que el 26% correspondi\u00f3 a carteras digitales y apps m\u00f3viles como\u00a0Apple Pay, Google Pay,\u00a0PayPal\u00a0o Bizum.<\/p>\n<p>Adem\u00e1s se indic\u00f3 que aunque el uso de la tarjeta descendi\u00f3 8 puntos porcentuales desde 2022, las soluciones electr\u00f3nicas ganaron terreno, impulsadas en parte por su facilidad de uso y por la integraci\u00f3n con la propia tarjeta como alternativa digital.<\/p>\n<p>En los pagos entre particulares, se inform\u00f3 que el\u00a0<a href=\"https:\/\/es.cointelegraph.com\/tags\/cash\">efectivo<\/a> sigue siendo el m\u00e1s utilizado (43%), pero Bizum ya alcanza un 35%, ganando terreno en ese segmento. El resto de medios, como transferencias o PayPal, representaron un 22%.<\/p>\n<p>En pagos recurrentes como alquileres, facturas o suscripciones, el adeudo domiciliado -conocido como el sistema de pago donde las empresas realizan el cargo directamente a la cuenta bancaria del cliente- es el instrumento m\u00e1s utilizado, tanto por su comodidad como por su car\u00e1cter automatizado.<\/p>\n<h2>Causas por las cuales a\u00fan se usa el efectivo<\/h2>\n<p>Respecto a las motivaciones de los consumidores, el estudio resalt\u00f3 que la\u00a0privacidad\u00a0y el\u00a0anonimato\u00a0siguen siendo los principales argumentos para utilizar efectivo, especialmente en pa\u00edses como Espa\u00f1a y\u00a0Portugal, donde m\u00e1s de dos tercios de los usuarios muestran preocupaci\u00f3n por este tema.<\/p>\n<p>Por \u00faltimo, los usuarios en los cuales predomina el uso de tarjeta destacaron este m\u00e9todo de pago por su comodidad, rapidez y facilidad de uso.<\/p>\n<ul>\n<li>Lee tambi\u00e9n: <a href=\"https:\/\/www.criptofacil.com\/es\/ceo-de-mantra-propone-quemar-tokens-del-equipo-para-frenar-la-crisis\/\">CEO de Mantra propone quemar tokens del equipo para frenar la crisis<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Los pagos digitales, tanto en tarjeta como m\u00f3viles, superaron al efectivo en los comercios f\u00edsicos en Espa\u00f1a. Seg\u00fan el banco hom\u00f3nimo, las tarjetas y apps m\u00f3viles como Bizum o Apple Pay ganaron protagonismo, aunque la privacidad sigue siendo una preocupaci\u00f3n entre los consumidores. El portal web espa\u00f1ol Noticias Bancarias public\u00f3 el estudio de la entidad [&hellip;]<\/p>\n","protected":false},"author":148,"featured_media":13753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[1779,1771,1850,1973,1767,1758],"class_list":["post-13645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-criptoactivos","tag-criptomonedas","tag-espana","tag-europa","tag-mercado","tag-titular"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>En Espa\u00f1a, los pagos digitales superan a los pagos f\u00edsicos<\/title>\n<meta name=\"description\" content=\"Las tarjetas digitales y aplicaciones m\u00f3viles van ganando terreno, impulsadas en parte por su facilidad de uso y la practicidad.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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