{
 "id": "die1-pago-en-tienda",
 "lens": "elige",
 "theme": "dinero",
 "title": {
  "es": "El efectivo ha pasado del 79 % al 52 % de los pagos en tienda desde 2016; el 55 % ya prefiere la tarjeta",
  "en": "Cash has fallen from 79% to 52% of in-store payments since 2016; 55% now prefer cards"
 },
 "subtitle": {
  "es": "Zona del euro. Parte de los pagos en tiendas, bares y otros puntos de venta hechos con efectivo, y medio de pago que prefieren los consumidores, en %",
  "en": "Euro area. Share of payments in shops, bars and other points of sale made in cash, and consumers' preferred means of payment, in %"
 },
 "unit": {
  "es": "%",
  "en": "%"
 },
 "source": {
  "name": "BCE, estudio sobre las actitudes de pago de los consumidores de la zona del euro (SPACE 2024)",
  "dataset": "SPACE 2024",
  "url": "https://www.ecb.europa.eu/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html",
  "license": "ECB, reutilización con cita de la fuente"
 },
 "notes": {
  "es": [
   "Encuesta con diario de pagos: cuenta el número de pagos, no su importe. Por importe, en 2024 las tarjetas suponían el 45 % y el efectivo el 39 %.",
   "El dato de 2016 procede de un estudio anterior del BCE (SUCH), solo en parte comparable con las encuestas SPACE de 2019, 2022 y 2024.",
   "«Prefiere tarjeta» incluye otros medios sin efectivo, como el móvil. Cifras tomadas del texto del informe. Quien no prefiere ni efectivo ni tarjeta no tiene una preferencia clara.",
   "En la misma encuesta, el 62 % considera importante o muy importante poder pagar con efectivo, y el 60 % dice preocuparse por su privacidad en los pagos digitales (2024)."
  ],
  "en": [
   "Payment diary survey: it counts the number of payments, not their value. By value, cards accounted for 45% and cash for 39% in 2024.",
   "The 2016 figure comes from an earlier ECB study (SUCH), only partly comparable with the 2019, 2022 and 2024 SPACE surveys.",
   "\"Prefer cards\" includes other cashless means, such as phones. Figures taken from the text of the report. People who prefer neither cash nor cards have no clear preference.",
   "In the same survey, 62% consider it important or very important to be able to pay in cash, and 60% say they are concerned about their privacy in digital payments (2024)."
  ]
 },
 "retrieved": "2026-10-02",
 "geos": {
  "EA": {
   "es": "Zona del euro",
   "en": "Euro area",
   "eu": false,
   "aggregate": true
  }
 },
 "dimensions": {
  "series": {
   "efectivo": {
    "es": "Pagos en efectivo",
    "en": "Cash payments"
   },
   "prefiere_tarjeta": {
    "es": "Prefiere tarjeta",
    "en": "Prefer cards"
   },
   "prefiere_efectivo": {
    "es": "Prefiere efectivo",
    "en": "Prefer cash"
   }
  }
 },
 "rows": [
  {
   "geo": "EA",
   "series": "efectivo",
   "time": "2016",
   "value": 79
  },
  {
   "geo": "EA",
   "series": "efectivo",
   "time": "2019",
   "value": 72
  },
  {
   "geo": "EA",
   "series": "efectivo",
   "time": "2022",
   "value": 59
  },
  {
   "geo": "EA",
   "series": "efectivo",
   "time": "2024",
   "value": 52
  },
  {
   "geo": "EA",
   "series": "prefiere_efectivo",
   "time": "2016",
   "value": 32
  },
  {
   "geo": "EA",
   "series": "prefiere_efectivo",
   "time": "2019",
   "value": 27
  },
  {
   "geo": "EA",
   "series": "prefiere_efectivo",
   "time": "2022",
   "value": 22
  },
  {
   "geo": "EA",
   "series": "prefiere_efectivo",
   "time": "2024",
   "value": 22
  },
  {
   "geo": "EA",
   "series": "prefiere_tarjeta",
   "time": "2016",
   "value": 43
  },
  {
   "geo": "EA",
   "series": "prefiere_tarjeta",
   "time": "2019",
   "value": 49
  },
  {
   "geo": "EA",
   "series": "prefiere_tarjeta",
   "time": "2022",
   "value": 55
  },
  {
   "geo": "EA",
   "series": "prefiere_tarjeta",
   "time": "2024",
   "value": 55
  }
 ]
}