Riesgo percibido en el uso de tarjetas de crédito: Un estudio aplicado a clientes del Banco de Occidente en la ciudad de Bogotá

Abstract

This research analyzes the perceived risk in the use of credit cards, with special emphasis on the financial and behavioral perceptions of users in Colombia. The study is based on the recognition that, although credit cards are a key instrument for financial inclusion and the stimulation of consumption, their inappropriate use may lead to over-indebtedness and the deterioration of financial well-being, especially among young populations. The main objective of the research was to identify how perceived risk influences credit card usage behavior, considering variables related to financial education, previous experience with credit products, and trust in the financial system. To this end, a quantitative approach was employed, involving data collection and analysis to assess the relationship between risk perception and credit usage decisions. The results show that a high level of perceived risk is associated with more restrictive credit card usage behaviors, whereas a low level of perceived risk, combined with limited financial knowledge, increases the likelihood of improper use and indebtedness. Additionally, it was identified that clear information and financial education play a decisive role in shaping a more balanced perception of risk. Finally, the study concludes that strengthening financial education strategies and risk communication by financial institutions can contribute to more responsible credit card use, reducing the negative impacts associated with indebtedness and promoting a healthier relationship between users and the financial system.