Until September 2022, interbank transfers that were carried out instantly covered 67% of the global amount of transactions in the Electronic Clearing House (CCE) . Regarding credit transfers, these represent 32% according to information from the Central Reserve Bank (BCR) . From this, some 9.8 million quick operations per month are evident , an amount higher than the 3.5 million transactions per financing. As soon as the measure came into force where banking institutions and savings banks can send and receive money in moments, a favoritism of the population for this type of operations has been evident, displacing those that are rigorous due to schedules.
Clients opt for interbank transfers
It is information that was explained by Ronald Casana , who is president of the Mipyme committee of the College of Economists of Lima . At the end of 2020, immediate transactions are available all day and 7 days a week, a transcendental aspect to achieve growth . In this sense, Edmundo Lizarzaburu , who is a professor of Administration and Finance at the ESAN University , highlights that operations between different banks that are carried out on the same day, help reduce waiting times for different users . Likewise, there is no longer the danger of carrying money in your pocket when you go to a bank.
Casana sets out the banking goals for 2025
Which are framed in free banking, contributing to the development of financial inclusion by 20%. You may also be interested in: Panorama of ecommerce in Mexico Transfer fees Benefits of business credit cards | Visa According to the BCR, banks in the last year have not changed the commissions that are debited to users when making interbank transfers, making a credit transaction made at a window cost S/ 4.80 ; Meanwhile, the immediate ones are around S/ 6.60. It should be noted that certain banks do not usually charge for interbank transfers, mainly for amounts below S/ 500 or US$ 140. On the other hand, the use of digital wallets when making smaller payments collaborated when moving from deferred to immediate transfers, since the market share corresponded to 49% for both processes in 2021.
