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According to research data "The Brazilian and the Brazilian, the Brazilian Central Bank (BC) shows that despite the advanced technologies in the field of means of payment, the money in kind remains the the most used means of payment – their relationship with money ", published yesterday (19), 96.1% of the thousand respondents replied that, in addition to other means, also make payments in kind. In the same question, 51.5% mentioned that they make disbursements with debit cards and 45.5% use credit cards.
For the financial educator of DSOP Educação Financeira, Pedro Madureira, the preference is given mainly to: feasibility of money with a higher level of debt of the Brazilians. "With the crisis, the debt ratio of the population has reached very high levels. high, which prevented people from using and even accessing the x cards. Most still have a standard of living considered simple. These are people who have money saved and decide to choose to use cards only when they make more expensive purchases, such as a TV stock exchange, "he explains. DCI .
According to him, the use of money in kind is still something consolidated in the country, but at the same time it adapts to innovations. "We see that even a number of applications, like Uber, have made the cash payment method available, precisely to attract people who can not have a credit card and who still carry money. money in their wallets ". 19659006] The study also shows that 52% of revenue in commerce occurs with the use of banknotes and coins. However, five years earlier, the percentage was 57%.
During the same period, the receipt of credit card payments increased from 35% to 31%. Payment method that has a higher cost for the merchant, the credit card showed the retraction, while the debit card receipt jumped from 4% to 15%. The list also shows the use of food / dietary stamps, which went from zero to 1%.
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