Confianza y redistribución de agencia en ecosistema de pagos de CajaVecina en Chile

This research is framed within the studies of domestic finances and everyday technologies. La CajaVecina is a BancoEstado system that operates in Chile, which brings banking operations closer to groups of people recently banked, and who receive financial services at various points of sale. Therefore, the objective of this article is to analyze the trust and redistribution of the agency in CajaVecina's payment ecosystem in Chile. Using a qualitative methodology based on structured interviews with managers, intermediaries and merchants, it is verified that the phenomenon of the redistribution of the bank's agency and the so-called correspondent bank is fundamentally based on the so-called operating quotas, from which the BancoEstado diversify risk and learn from the banking behavior of warehouses. This information allows a neighborhood store to transform into another type of solution, independent of the bank, taking advantage of the levels of trust woven with its customers. In conclusion, this is how this system of payments and financial operations comes to be redistributed, the intermediary / correspondent assuming dominion over the territory and operations, completely reformulating the so-called 'payment space' for the bank, users, and intermediaries.