Impacto del cobro digital “CoDi” en la sociedad

The research in development is related to the Digital Collection "CoDi", which is a new form of collection and payment, which does not generate commissions, users must have a bank account, internet services and a mobile device, a system that intends to leave without use to the affective and financial inclusion. The objective of the research is to evaluate the penetration and effectiveness of this electronic transaction scheme, the advantages and disadvantages of the users who use it, measuring the impact it has on the MIPyMES; with the help of qualitative methodology, the use of a FODA analysis and application of a survey in the city of Xalapa, applied to businessmen and consumers. The results obtained reflect the perceptions of the respondents by age ranges, the contribution was greater in the age range between 26 and 40 years. It is also observed that there are still people who are not aware of what CoDi is and who do not have a bank account, so they have not been able to carry out any operation, despite the fact that CoDi can be considered as an aid to stimulate growth economical by providing a faster and more efficient form of payment.