Template-Type: ReDIF-Paper 1.0
Author-Name: Sanroman Graciela
Author-Name-First: Graciela
Author-Name-Last: Sanroman
Author-Name: Quagliotti Romina
Author-Name-First: Romina
Author-Name-Last: Quagliotti
Author-Name: Olivieri Cecilia
Author-Name-First: Cecilia
Author-Name-Last: Olivieri
Title: Debit and credit card holdings: effects of the Uruguayan Financial Inclusion Law
Abstract: 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.
Length:  43 pages
Creation-Date:  2023-11
File-URL: https://aaep.org.ar/works/works2023/4690.pdf
File-Format: Application/pdf
Number: 4690
Classification-JEL: G21, G50
Handle: RePEc:aep:anales:4690