SISTEMAS DE RECAUDO ALTERNATIVO 1 Información

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SISTEMAS DE RECAUDO ALTERNATIVO 1 Información SISTEMAS DE RECAUDO ALTERNATIVO 1 Información Importante La Universidad Santo Tomás, informa que el(los) autor(es) ha(n) autorizado a usuarios internos y externos de la institución a consultar el contenido de este documento a través del Catálogo en línea de la Biblioteca y el Repositorio Institucional en la página Web de la Biblioteca, así como en las redes de información del país y del exterior con las cuales tenga convenio la Universidad. Se permite la consulta a los usuarios interesados en el contenido de este documento, para todos los usos que tengan finalidad académica, nunca para usos comerciales, siempre y cuando mediante la correspondiente cita bibliográfica se le dé crédito al trabajo de grado y a su autor. De conformidad con lo establecido en el Artículo 30 de la Ley 23 de 1982 y el artículo 11 de la Decisión Andina 351 de 1993, la Universidad Santo Tomás informa que “los derechos morales sobre documento son propiedad de los autores, los cuales son irrenunciables, imprescriptibles, inembargables e inalienables.” Bibliotecas Bucaramanga Universidad Santo Tomás SISTEMAS DE RECAUDO ALTERNATIVO 2 Costos y beneficios para un sistema de recaudo alternativo que sustituya el uso del papel moneda en los supermercados minoristas de la ciudad de Bucaramanga Anderson Johao Duran Sepúlveda Jenny Rocío Solano Mendoza Trabajo de grado para optar por el título de Ingenieros industriales Director de proyecto José Manuel Serrano Ingeniero financiero Universidad santo tomas, Bucaramanga División de ingenieras y arquitectura Facultad de ingeniería industrial SISTEMAS DE RECAUDO ALTERNATIVO 3 2016 Agradecimientos Es de resaltar y agradecer la labor de todas aquellas personas que han estimulado el desarrollo de este logro como lo son en primera instancia nuestra familia quienes a pesar de las dificultades económicas han persistido en el apoyo moral y afectivo para la obtención del ahora cercano título de ingenieros industriales. Como adición queremos realzar los consejos y experiencias que nos ha impartido el docente José Manuel Serrano en la dirección y asesoría prestada en la ejecución de la tesis de grado. SISTEMAS DE RECAUDO ALTERNATIVO 4 Tabla de contenido. Introducción. ............................................................................................................................ 13 1. Costos y beneficios para un sistema de recaudo alternativo que sustituya el uso del papel moneda en los supermercados minoristas de la ciudad de Bucaramanga. .......................... 14 1.1 Descripción del problema ........................................................................................... 14 1.2 Justificación ................................................................................................................ 24 1.3 Objetivos ..................................................................................................................... 26 1.3.1 Objetivo general. ................................................................................................. 26 1.3.2 Objetivos específicos........................................................................................... 26 1.4 Alcance ....................................................................................................................... 27 2. Marco referencial ........................................................................................................... 28 2.1 Marco Teórico ............................................................................................................ 29 2.2 Marco Conceptual ....................................................................................................... 35 2.3 Marco legal y normativo. ............................................................................................ 37 2.4 Marco histórico ........................................................................................................... 40 2.5 Estado del arte ............................................................................................................ 44 2.6 Marco metodológico ................................................... ¡Error! Marcador no definido. 2.6.1 Procedimiento de recolección. ............................................................................ 57 SISTEMAS DE RECAUDO ALTERNATIVO 5 2.6.3 Marco de muestreo. ............................................................................................. 59 2.6.4 Tamaño de la muestra. ........................................................................................ 59 4. Cronograma de actividades ............................................................................................ 63 5. Recolección de datos ...................................................................................................... 64 6. Tipos de sistema de recaudo........................................................................................... 79 6.1 Tarjetas sin contacto. .................................................................................................. 80 6.2 Billeteras electrónica .................................................................................................. 82 6.3 Tarjetas prepago ......................................................................................................... 85 6.4 Huella dactilar. ............................................................................................................ 87 6.5 Bitcoins ....................................................................................................................... 90 6.6 Google wallet .............................................................................................................. 93 6.7 Beacon ........................................................................................................................ 95 6.8 Códigos Qr .................................................................................................................. 98 Bitcoins. ................................................................................................................................. 103 Billeteras digitales. ................................................................................................................. 118 Tarjetas sin contacto ............................................................................................................... 127 Códigos Qr ............................................................................................................................. 135 7. Características técnicas ...................................................................................................... 142 7.1 Características técnicas de los Bitcoins ........................................................................ 142 7.2 Características técnicas de las tecnologías NFC .......................................................... 147 8. Costos de los sistemas de recaudo ..................................................................................... 151 SISTEMAS DE RECAUDO ALTERNATIVO 6 8.1 Bitcoins ......................................................................................................................... 151 8.2 Tecnología NFC ........................................................................................................... 155 8.2 Tecnología NFC ........................................................................................................... 158 9. Beneficios de los sistemas de pago .................................................................................... 160 9.1 Bitcoins ......................................................................................................................... 160 9.2 Billeteras digitales ........................................................................................................ 163 9.3 Tarjetas sin contacto ..................................................................................................... 166 9.4 Códigos qr .................................................................................................................... 167 Conclusiones .......................................................................................................................... 169 Recomendaciones ................................................................................................................... 171 Bibliografía ............................................................................................................................ 173 Anexos .................................................................................................................................... 180 SISTEMAS DE RECAUDO ALTERNATIVO 7 Lista de figuras Figura 1.Porcentaje estimado de operaciones de pago de los consumidores realizada por métodos no monetarios. ................................................................................................................ 45 Figura 2.Medios de pago utilizados en el total de compras ..................................................... 46 Figura 3.Valor de transacciones en efectivo de diferentes países. ........................................... 47 Figura 4.Uso de instrumentos de paso y efectivo en sistemas de pago de américa latina. ...... 52 Figura 5.Encuesta a familias de Bucaramanga ........................................................................ 65 Figura 6. Encuesta a familias de Bucaramanga. ...................................................................... 67 Figura 7. Encuesta a familias
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