This paper analyzes the factors that influence the use of digital payments in Brazil from the perspective of digital divide studies. For this purpose, the research uses the microdata of the 2019 edition of a Brazilian nationwide survey named ICT Households Survey. The main findings demonstrate that women, as well as users of low-income social class, were less likely to use digital payments. The results also indicate that although different studies highlight the relevance of mobile phones as a means to promote digital financial inclusion to low-income groups, this paper's findings show that the exclusive use of mobile phones to access the Internet had a negative impact on the use of digital payments. These results demonstrate the need to better understand the implications of the exclusive use of this type of device in harnessing digital financial services in the context of developing countries of the global South.
Araujo, Marcelo Henrique de and Diniz, Eduardo Henrique, "Understanding the use of digital payments in Brazil: An analysis from the perspective of digital divide measures" (2021). CONF-IRM 2021 Proceedings. 3.