Tema 3: Economía Digital

Summary

This video discusses the evolution of digital economy initiatives in Peru, particularly focusing on the 'Paga Seguro, Fácil y Sin Contacto' program. Launched during the 2020 COVID-19 pandemic, this program facilitated financial inclusion and digital payment adoption, especially benefiting vulnerable groups. It emphasizes the role of collaboration between the government, private sector, and local governments. The video also highlights the broader implications of digital transformation, including the benefits of increased digitalization for economic, social, and technological development. The importance of trust and digital society is explored, showcasing how digital tools are reshaping Peru's economy.

Takeaways

• 😀 The 'Paga Seguro, Fácil y Sin Contacto' program was launched during the COVID-19 pandemic in 2020 to minimize physical contact in financial transactions.
• 😀 The initiative was a collaboration between ASBAN, digital wallet providers, and the Peruvian government to foster financial inclusion and digital payment adoption.
• 😀 The program has helped vulnerable groups receive financial aid safely and conveniently without visiting a bank.
• 😀 The volume of digital wallet transactions tripled in the first year and has quintupled in coverage to date, indicating significant adoption.
• 😀 Over 4.5 million transactions have been processed through the program, helping to drive digitalization in local markets and businesses.
• 😀 The program not only facilitates daily transactions but also contributes to building a credit history, enabling easier access to financial products like loans.
• 😀 Collaboration between the government, local authorities, and the private sector has been essential for the success of the initiative.
• 😀 Digital economy refers to the innovation and transformation of the economy through strategic use of digital technologies to enhance productivity, efficiency, and social welfare.
• 😀 The National Digital Transformation Policy aims to integrate the digital economy into Peru's productive sectors, benefiting small businesses and the wider economy.
• 😀 The digital economy offers social benefits like job creation in tech, better financial inclusion, and improved access to education and services for citizens.
• 😀 Economic benefits include increased competitiveness, investment in digital enterprises, and greater participation in the economy, particularly among SMEs.
• 😀 Technological benefits of the digital economy include the development of digital ecosystems, enhanced technological infrastructure, and the integration of emerging technologies in both public and private sectors.

Q & A

What was the main reason behind the development of the 'Paga Seguro, Fácil y Sin Contacto' program in Peru?

The main reason was to minimize physical contact in financial transactions during the COVID-19 pandemic, ensuring a safer and more convenient way for people to handle financial exchanges.

How did the 'Paga Seguro, Fácil y Sin Contacto' program contribute to financial inclusion in Peru?

The program facilitated financial inclusion by enabling vulnerable groups to receive economic support from the government safely and conveniently, without needing to visit physical bank branches.

What impact did 'Paga Seguro, Fácil y Sin Contacto' have on digital wallet transactions in Peru?

Since its launch in 2020, digital wallet transaction amounts tripled in the first year and have quintupled in terms of coverage, showing a significant increase in the adoption of digital payments.

How did the 'Paga Seguro, Fácil y Sin Contacto' program help digitize markets in Peru?

The program helped digitize payments in 400 local markets nationwide, reaching approximately 10,000 points of sale across 15 regions, improving the efficiency of transactions in these markets.

In what ways has the 'Paga Seguro, Fácil y Sin Contacto' program transformed access to financial services in Peru?

The program allowed the creation of payment histories for users of digital wallets, which simplified the credit evaluation process, making banking products such as personal loans and business loans more accessible.

What is the role of digital transformation in the development of the digital economy in Peru?

Digital transformation, driven by the adoption of digital tools and technologies, has enhanced productivity, efficiency, and transparency in economic activities, which are essential for the growth of the digital economy in Peru.

How does the concept of 'sociedad digital' (digital society) relate to the development of the digital economy?

'Sociedad digital' refers to a society that values information and knowledge obtained through digital technologies. This concept is closely linked to the digital economy as it drives its growth by promoting digital access and usage among the population.

What does 'confianza digital' (digital trust) mean, and why is it important for the digital economy?

'Confianza digital' refers to the trust in secure, transparent, and ethical digital interactions. It is crucial for the digital economy as it enables users to confidently engage in online financial transactions, fostering a safe and reliable digital environment.

What are the main benefits of the digital economy at the social level in Peru?

At the social level, the digital economy has created jobs in the tech sector, enhanced financial inclusion, improved access to services, and provided better educational opportunities through online platforms.

How does the National Digital Transformation Policy aim to improve the digital economy in Peru?

The policy aims to integrate digital economy strategies into Peru's productive processes, with a focus on supporting small and medium-sized enterprises, boosting digital financial inclusion, and enhancing the country's overall digital capabilities.