Overview
- The central bank reported 188.9 million credit‑card transactions in November, up 7.4% year over year to $10 billones, with one‑payment purchases accounting for 90.7% of operations and 73.8% of amounts.
- Debit‑card use declined, with October transactions falling 13.3% year over year to 177 million operations totaling $4.7 billones.
- Instant transfers expanded to 666.3 million operations worth $70.1 billones, and 73% involved accounts tied to nonbank digital‑wallet apps.
- POS terminals and QR accounted for roughly 40% of credit‑card payments, e‑commerce remained a major channel, and interoperable QR reached 4.7% of card transactions.
- Dollar debit remains marginal with 10,300 operations in November totaling US$6.4 million and 99% via e‑commerce, while private analysts cite rising credit stress with card portfolios up about 21% year over year and a 189% jump in returned checks.