Las Nenis: revolutionize the economy and accelerate electronic payments

“I usually make my deliveries in the CDMX Metro or at intermediate points, that’s why I work more with cash and transfers. With transfers, they are made to me before delivery, this way I ensure the sale and that the person will arrive to meet us. I don’t like cash so much because I don’t like carrying money and then you have to carry change but I use it because some clients require it,” he commented.

Although Tania prefers to avoid cash, in Mexico this is still the preferred payment method. The Bank of Mexico (Banxico) points out that 90% of the population uses cash, 16% uses debit cards, 4% credit cards, 2% electronic payment or transfer and only 0.3% uses Digital Collection (CoDi).

Regarding the acquisition of the Tania payment terminal, he points out that it is one from Clip, which he has had for less than a year.

“I think it cost me about 200 pesos to buy the Clip terminal and it’s okay because I don’t pay monthly rent or anything. I use it more in bazaars or places where I know there will be cards. For personal deliveries I don’t usually offer it because there is a commission when I use it of 3.6% plus VAT,” he assured.

The Fintech Transfer and Payment System (STP) indicates that there are currently 1.2 million Nenis between 25 and 54 years old, which have generated 80,200 million pesos in transactions per year, which is equivalent to 9% of the value of sales of goods and services. services in the country.

“Although many of these entrepreneurs began using only cash or bank transfers to make their sales, the adoption of digital payment methods has been increasing, driven by the way in which they are offering their products and services digitally and, by the emergence more accessible payment solutions, such as digital wallets and CoDi instant payment platforms,” commented Roxana Patiño, executive director of finance and administration at STP.

This organization adds that on average this group of businesswomen earn around 5,500 pesos per month, working 54 hours per week and 56% receive the money daily or weekly.