Autor: Sanroman Graciela, Romina Quagliotti, Olivieri Cecilia

Institución: Departamento de Economía. Facultad de Ciencias Sociales Universidad de la República del Uruguay

Año: 2023

JEL: G21, G50


This paper examines the impact of measures implemented in Uruguay to promote financial inclusion. We analyse the changes in terms of access to debit and credit cards and their determinants. We also employ Diff in Diff strategies to assess the effect of a particular measure: the mandatory payment of salaries through bank accounts. We find evidence that financial inclusion has improved during the period analysed, through the expansion of debit cards. We document that the impact was strongest among low-income households and those headed by women or Afro-descendants. We also show that the expansion was greater than that observed in other similar countries. However, we find almost no change in access to credit cards.