Expansión automatizada.
Author | Rubenstein, Beth |
Position | Servicios bancarios; salarios; impuestos; Argentina - TT: Automated expansion. - TA: bank services; salaries; taxation; Argentina |
Fernanda Roselli era la cliente que ningún banco quiere. Como no tenía cuenta bancada, pasaba varias horas haciendo fila en los bancos de sus empleadores para cambiar los cheques de su paga por tres trabajos como maestra.
Pero desde que el gobierno aprobó una ley obligando a las empresas a pagar a los empleados por vía electrónica y emitir los fondos a través de los cajeros automáticos de los bancos, Roselli tiene su cuenta y ya no tiene que hacer fila.
Los bancos de Argentina han captado más de un millón de clientes gracias a la ley. Y ahora que las personas de bajos salarios forman parte del sistema, los bancos descubren que les conviene mantener a esos clientes.
En su batalla contra la evasión fiscal, los legisladores esperaban reducir los pagos en efectivo, difíciles de rastrear. Pero los resultados son dudosos: la recaudación de impuestos el año pasado sólo fue un 3% más que en 1997, cuando la ley, que se aplica a empresas medianas y grandes, entró en vigor. En general, el gobierno argentino estima que podría duplicar sus ingresos con una enérgica batida contra la evasión.
Pero los banqueros están complacidos. Han advertido que usando cajeros automáticos se evitan los costos relativamente altos de dar servicio a las cuentas individuales. "Ha contribuido a captar clientes", comenta Jacinto Peralta...
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