Effective Chau: Payments with QR tripled in 2024, who are the ones who use it most?

In 2024, the Opening of bank and non -bank accounts He experienced a growth of 48%, according to the recent Coelsa indicator. In addition, in the last four -month period of the year, immediate transfers They increased 47% compared to the same period of 2023, reflecting the sustained advance of financial inclusion and the decrease in cash use.

Only in the last four months of last year 33.8 million accounts were enabledincluding both banking and digital through virtual wallets. In total, the Argentine financial ecosystem already has 262.3 million active accounts. The data belongs to Coelsa, the company that processes payments.

The breakdown of the data reveals that 38.9 million people operate with bank accounts identified by their CBU, while almost 30 million use digital accounts in wallets and other non -banking platforms, associated with CVU. On average, Each person has four bank accounts and 3.5 digital accounts.

What is the preferred means of Argentines

He QR payment continues to lead the market as the preferred option To send money, pay and collect. In the last four months of 2024, 157 million operations were recorded with this method, marking an impressive growth of 212% compared to the previous year. According to the report, 62% of QR users are men and 38% women.

The Millennials lead the use of this technology with 62%, followed by generation X with 25%. Supermarkets and stores are the main items where this form of payment is used, with an average amount of $ 17,539.95 per transaction. At the end of the year parties, the use of QR shot 197% compared to 2023, reaching a record of 71 million transactions processed by Coelsa in just two weeks.

On the other hand, The digital check continues to consolidate as the preferred option, surpassing the physical check. Currently, ECHEQ represents 52% of total checks issued, compared to 48% of physicists, marking a transformation into payment methods.

He Average amount per transaction was $ 17,539.95, with supermarkets and warehouses such as the main items for use, representing 32% of operations. Other sectors where this means of payment had a high adoption include small shops (20%), gastronomy (18%) and service stations (8%). In addition, it was recorded in pharmacies (6%), professional and freelancers (5%), public and private services (3%), clothing (2%), as well as in tourism and entertainment (1%).

According to the analysis, 68% of the transactions were made by users of the lowest socioeconomic levels (D1, D2 and E), while 27% corresponded to medium -level people (C2 and C3). In contrast, Only 5% of the operations were carried out by those who belong to the highest income segment (ABC1).

Increase in cyber attacks: 90% of alerts correspond to fraud

Cybersecurity continues to be a crucial challenge for the financial ecosystem. According to Coelsa data, 90% of the alerts detected in their systems corresponded to fraud attemptswhich shows the growing sophistication of cybercriminals. To deal with this threat, the company continues to strengthen its technology and experience in the protection of the sector.

One of the main risk foci is in immediate transfers, whose volume has increased considerably in the last year, but have also become a frequent target of scams. Among the techniques most used by criminals include the impersonation of identity and fraud through QR codes, which allow intercepting funds before they reach their recipient.

Given this scenario, both financial entities and payment service providers They reinforce their early detection systems to minimize risks and avoid economic losses.

However, security specialists agree that user education remains the best prevention strategy, since many scams still depend on human error to realize.