Tema 3: Economía Digital

New Section

This section discusses the emergence of the need to minimize physical contact in financial transactions during the COVID-19 pandemic in 2020, leading to the development of the "Paga Seguro Fácil y Sin Contacto" program in Peru.

Emergence of Digital Payment Program

• The COVID-19 pandemic in 2020 highlighted the necessity to reduce physical contact in financial exchanges.

• The "Paga Seguro Fácil y Sin Contacto" program aimed to enhance financial inclusion and promote digital payment adoption.

• Significant benefits were observed, including a tripling of digital wallet transactions within the first year and a fivefold increase in coverage since its launch.

Impact and Success of the Program

• Over 4.5 million transactions have been conducted through the program, showcasing its contribution to advancing digital society.

• The initiative transformed daily transactions and access to financial services, enabling easier credit evaluations for personal or business loans.

Exploring Challenges and Solutions

This part delves into challenges faced on the path towards developing a digital economy in Peru, as highlighted by the National Survey on Digital Transformation.

Addressing Digital Economy Challenges

• The National Survey on Digital Transformation identifies key obstacles that can be overcome through desired scenarios outlined by Peru's national digital transformation policy.

• Peru demonstrates commitment towards enhancing its economic processes for societal benefit through regulatory approvals like Decree of Urgency No.006/2020.

Understanding Digital Economy

This segment defines and explores the concept of a digital economy, emphasizing its transformative power driven by strategic use of digital technologies.

Definition and Impacts of Digital Economy

• The digital economy involves innovating and transforming economic practices through strategic utilization of digital technologies for enhanced efficiency, productivity, transparency, security, and effectiveness.

• It generates social, economic, technological benefits fostering prosperity and well-being within society while reshaping traditional business models.

Digital Economy and National Digital Transformation Policy

This section discusses the significance of digital economy, the role of trust in accessing it, and how it aligns with the national policy for digital transformation.

Understanding the Digital Economy

• The digital economy provides structure and tools, while society utilizes them. Trust in the digital realm enables citizens to access and benefit from this economy.

National Digital Transformation Policy Objectives

• The national policy focuses on linking the digital economy to sustainable production processes. This is outlined in Priority Objective Two of the policy.

• Priority Objective Two aims to positively impact small and medium enterprises across various industrial sectors by strengthening their digital transformation and resilience.

Key Strategies of the Policy

• Eight key strategies are identified within the policy, including enhancing digital transformation for micro, small, and medium enterprises, fostering access to funds for digital ventures, and promoting domestic and international e-commerce.

Benefits of Digital Economy

This part delves into the advantages of a highly digitized sector economically, socially, and technologically.

Social Benefits

• Digitization leads to job creation in technology sectors, enhances economic inclusion for vulnerable groups through financial services, improves access to goods and services nationwide, promotes cultural diversity through foreign business operations, enhances educational quality via online platforms.

Economic Advantages

• Increased competitiveness and productivity for businesses; higher local and international investments in digital ventures; boost in local and global trade through digital channels; improved financial inclusion leading to active economic participation; reduced barriers for new business establishment.

Technological Gains

• Development of a robust digital innovation ecosystem; integration of exponential technologies in public processes; enhancement of technological infrastructure nationally; encouragement of research & development in emerging technologies; establishment of cutting-edge tech standards in public procurement.

Role of Civil Society in Digital Economy

Discusses how civil society plays a crucial role in strengthening a country's digital ecosystem through innovation capacity building.

Strengthening Digital Ecosystem

• Civil society's commitment, training initiatives, adaptability drive technological innovation capacity building. Their involvement determines how swiftly initiatives are implemented effectively.

Conclusion: Future Prospects

Summarizes that despite challenges faced by the digital economy, solutions are proposed through national policies aiming at sustainable production processes alignment by 2030.

Future Outlook