Acorde a cifras de Mercado Pago, fintech líder en Latinoamérica, los pagos digitales vienen teniendo un crecimiento de triple dígito en Colombia desde el año pasado.
Según la compañía, a lo largo de 2021, los Códigos QR se han constituido como una de las alternativas más utilizadas con incrementos de hasta 5 veces en su uso.
El usuario promedio está realizando más de 2 compras por mes pagando con Código QR, lo cual representa un gran avance.
Es una realidad que los pagos digitales le siguen ganando terreno al dinero en efectivo. Si bien es un fenómeno que se viene presentando en mercados más desarrollados desde hace un tiempo, en el último año las transacciones digitales han crecido de manera notable en Colombia. Según el Reporte de Inclusión Financiera, elaborado por la Banca de Oportunidades, en 2020 las operaciones financieras realizadas por medios no presenciales tuvieron un crecimiento del 42,7% y el 66,3% del monto transaccionado fue a través de canales digitales.
Esa tendencia positiva coincide con los resultados que registra en el país Mercado Pago, fintech líder en Latinoamérica. Acorde a cifras de la compañía, desde el año pasado se presentan en su plataforma crecimientos de triple dígito en pagos en línea y de hasta 5 veces con Códigos QR.
Generalmente los sectores de mayor dinamismo son los tradicionales: tecnología, apparel, electrodomésticos, entretenimiento, hogar, mascotas, entre otros. No obstante, el uso de métodos de pagos digitales, específicamente Códigos QR, se viene posicionando de manera significativa en los restaurantes.
Aunque esta tecnología venía siendo utilizada por estos establecimientos para la lectura de los menús, como medida de bioseguridad para evitar el contacto físico, ahora es usada también como herramienta para realizar transacciones. Según datos de Mercado Pago, se ha evidenciado un crecimiento del 170% en su utilización en restaurantes, siendo $28.000 el ticket promedio de los colombianos. Además, los usuarios vienen realizando más de 2 compras por mes pagando con Código QR, lo cual representa un gran avance.
“La confianza del consumidor frente a los pagos digitales en el país viene incrementando a pasos agigantados, por lo que para los comercios es una gran ventaja competitiva poder contar con esta tecnología y diversificar sus opciones de pago. Recordemos que durante la pandemia, 3 millones de colombianos pagaron online por primera vez en nuestras plataformas y el monto facturado en dólares creció 316%, por lo que se constituye en una gran oportunidad para que las compañías puedan adoptar estas herramientas y aprovechar el mercado potencial que existe”, señala Diego Navarro, director de Mercado Pago.
Es por esto que Mercado Pago viene apostándole a continuar masificando su billetera virtual en Colombia, siendo los Códigos QR la punta de lanza de su propuesta. Para tal fin, cuentan con alianzas con 30 marcas del sector gastronómico con más de 5.000 puntos de venta físicos. Para los próximos seis meses, la fintech espera elevar sus comercios aliados a más de 50.
Pymes también le apuestan a los pagos digitales
Las pymes y emprendedores también descubrieron las ventajas de cobrar de manera online. Miles de empresas buscaron digitalizarse de manera permanente ofreciendo sus productos a través de los canales digitales.
Según un reciente estudio realizado por Mercado Pago, en Colombia se evidenció un crecimiento del 138% en la utilización de links de pago, que es una solución a través del cual el emprendimiento envía un enlace a través de chat o correo, por medio del cual la persona puede hacer el pago, evitando el contacto físico y optimizando el proceso de transacción. Así mismo, se registró un incremento del 150% en las ventas a través de las páginas web, siendo también un escenario idóneo para estimular las ventas y mitigar el impacto de las externalidades.
Cabe anotar que más de 800k Pymes y emprendedores de toda Latam conocieron Mercado Pago al usar link de pago, seguido de los Códigos QR.
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