Las redes sociales y los delitos de injuria y calumnia en Colombia

Artículo de reflexiónLas redes sociales son en la actualidad, uno de los medios de interacción más usados por las personas. A través de éstas, las conexiones interpersonales se han extrapolado del plano físico al cibernético. En éstas, los usuarios comparten fotos, experiencias, e inclusive datos personales, que han sido usados por los “ciberdelicuentes” para cometer delitos de carácter económico. De la mano con éstos, se ha venido evidenciando la presentación de otros delitos. La flexibilidad y la precaria vigilancia de estas redes sociales, han dado pie para que se presenten casos de injuria y calumnia entre los usuarios, afectándose su derecho a la honra y la intimidad. En teoría, el Estado en su función de titular de la acción penal debe perseguir estos delitos. Sobre dicha obligación y la imposibilidad de que sean verdaderamente sancionados estos delitos, es que versa este artículo de reflexión, cuyo propósito general es el de enunciar las razones por las cuales la acción penal del Estado frente a los delitos de injuria y calumnia, se ve limitada en el contexto de las redes sociales.38 p.1. RESUMEN 2. SUMARIO 3. INTRODUCCIÓN 4. LEVANTAMIENTO DE INFORMACIÓN 5. CONCLUSIONES 6. REFERENCIAPregradoAbogad

KSHV LANA acetylation-selective acidic domain reader sequence mediates virus persistence

Viruses modulate biochemical cellular pathways to permit infection. A recently described mechanism mediates selective protein interactions between acidic domain readers and unacetylated, lysine-rich regions, opposite of bromodomain function. Kaposi´s sarcoma (KS)-associated herpesvirus (KSHV) is tightly linked with KS, primary effusion lymphoma, and multicentric Castleman’s disease. KSHV latently infects cells, and its genome persists as a multicopy, extrachromosomal episome. During latency, KSHV expresses a small subset of genes, including the latency-associated nuclear antigen (LANA), which mediates viral episome persistence. Here we show that LANA contains two tandem, partially overlapping, acidic domain sequences homologous to the SET oncoprotein acidic domain reader. This domain selectively interacts with unacetylated p53, as evidenced by reduced LANA interaction after overexpression of CBP, which acetylates p53, or with an acetylation mimicking carboxyl-terminal domain p53 mutant. Conversely, the interaction of LANA with an acetylation-deficient p53 mutant is enhanced. Significantly, KSHV LANA mutants lacking the acidic domain reader sequence are deficient for establishment of latency and persistent infection. This deficiency was confirmed under physiological conditions, on infection of mice with a murine gammaherpesvirus 68 chimera expressing LANA, where the virus was highly deficient in establishing latent infection in germinal center B cells. Therefore, LANA’s acidic domain reader is critical for viral latency. These results implicate an acetylation-dependent mechanism mediating KSHV persistence and expand the role of acidic domain readers.info:eu-repo/semantics/publishedVersio

Plan de capacitación para mejorar el proceso de facturación electrónica de la empresa Maple Respiratory Colombia IPS.

Apéndice 1 plan de capacitación, apéndice 2 encuesta, apéndice 3 plan de incentivosEl presente proyecto de investigación se centra en la implementación de un plan de capacitación a trabajadores de la empresa IPS Salud Maple Respiratory en facturación electrónica, problemática que se ha generado por los malos procesos en la facturación, lo cual afecta de manera directa el servicio a sus clientes, se busca investigar los conceptos generales de cómo implementar capacitaciones para el personal, refiriendo los tipos y teorías explicativas, llegando a conceptos específicos, los aspectos que la generan y las posibles prevenciones en buscar soluciones rápidas e inmediatas hacia un proceso mal direccionado. El proyecto de investigación se focaliza en la IPS Salud Maple Respiratory, ubicado en la Ciudad de Bogotá, integrando los productos del marco referencial, metodología de la investigación, resultados, conclusiones y recomendaciones de la misma, lo que evidencia la aplicabilidad de conceptos teóricos por parte de los participantes.The research project, that we as future business administration professionals, want to execute is "training workers of the company IPS Salud Maple Respiratory in electronic billing" a problem that is generated by the billing processes, which affects the service to its customers, seeking to investigate the general concepts of how to implement training for staff, referring to the types and explanatory theories, reaching the specific concepts, the aspects that generate it and possible preventions in seeking quick and immediate solutions to a misdirected process. The research project focuses on the IPS Salud Maple Respiratory, located in the city of Bogota, integrating the products of the frame of reference, research methodology, results, conclusions and recommendations of the same, which shows the applicability of theoretical concepts by the participants

La imagen y la narrativa como herramientas para el abordaje psicosocial en escenarios de violencia departamentos de Arauca y Boyacá

Dentro de los diferentes contextos de Historias que retornan en el caso de Amparo y la masacre en el Salado se visualiza la violencia e injusticia que enfrentan estas personas, desde los enfoques narrativos y el impacto que se genera en lo psicosocial en Colombia, podemos ver como las personas se enfrentan a las distintas afectaciones que ocasiona la violencia en la vida de cada persona. El propósito de la etapa final es que el estudiante tenga la capacidad de desarrollar habilidades y brindar un acompañamiento psicosocial para lograr el cambio social en todas aquellas personas que han sido víctimas de violencia, para que se genere el empoderamiento y se construya la esperanza de tener un mejor futuro, dejando a un lado el rechazo y la falta de apoyo de los que no han sido beneficiados. Por medio de la narrativa y la foto voz, nos han permitido conocer la capacidad de las personas para enfrentar y luchar contra la injusticia buscando una mejor vida y un fututo, ya que por medio de los diferentes escenarios de violencia analizados se puede entender como las personas han sido víctimas de la violencia y las experiencias de dolor que han vivido han marcado su memoria y con el empoderamiento de cada uno, han sido personas resilientes y capaces de adaptarse a la vida después de vivir un hecho de violencia y de esta manera se pueda lograr el retorno de todas aquellas personas que han vivido el desplazamiento por la violencia y han dejado su vida atrás.Within the different contexts of Histories that return in the case of Amparo and the massacre in El Salado, the violence and injustice that these people face is visualized, from the narrative approaches and the impact that is generated in the psychosocial in Colombia, we can see how people face the different affectations that violence causes in the life of each person. The purpose of the final stage is for the student to have the ability to develop skills and provide psychosocial support to achieve social change in all those who have been victims of violence, so that empowerment is generated and the hope of having a better future, leaving aside the rejection and lack of support from those who have not benefited. Through the narrative and the voice photo, they have allowed us to know the capacity of people to face and fight against injustice looking for a better life and a future, since through the different scenarios of violence analyzed it can be understood how the People have been victims of violence and the experiences of pain that they have lived have marked their memory and with the empowerment of each one, they have been resilient people and capable of adapting to life after experiencing an act of violence and in this way they can achieve the return of all those people who have experienced displacement due to violence and have left their lives behind

Three years of the coronavirus disease 2019 pandemic in a european region: a population-based longitudinal assessment in Madrid between 2020 and 2022

Our objective was to assess the health impact of coronavirus disease 2019 (COVID-19) during 2020-2022 in the Madrid region. We included all individuals registered in the Madrid Health System Registry as of 31 December 2019, and followed them until 31 December 2022. Using a unique personal identifier, we linked the databases of primary care, hospitals, pharmacies, certified laboratories performing diagnostic tests, vaccines, and mortality. Of 6 833 423 individuals, 21.4% had a confirmed COVID-19 diagnosis, and 1.5% had a COVID-19 hospitalization (primary diagnosis). Thirty-day mortality was 1.6% for confirmed COVID-19 (from 11.4% in first semester 2020 to 0.4% in first semester 2022). Thirty-day mortality was 10.8% for COVID-19 hospitalizations (from 14.0% in first semester 2020 to 6.0% in second semester 2022). There were 24 073 deaths within 30 days of a confirmed COVID-19 diagnosis. Advanced age, male sex, higher socioeconomic deprivation, and comorbidities were associated with higher mortality. By linking administrative and clinical databases, we characterized the burden of the COVID-19 pandemic in Madrid over 3 years. Our analysis proposes a high-level framework for comparisons of the burden of COVID-19 across areas worldwid

Payment Systems Report - June of 2019

For the last decade, Banco de la República has provided oversight of the local financial infrastructure as an additional contribution to support the country’s financial stability. This is a function performed by most central banks the world over, because they recognize infrastructure as being an essential component of financial markets. Infrastructure that functions properly helps to maintain and promote financial stability, being that it plays a fundamental role in the financial system and in the economy. In the Colombian case, the oversight of the country’s financial infrastructures began formally a decade ago, when External Resolution 5/2009 was issued and the authority to oversight that infrastructures was given to Banco de la República by its Board of Directors. Since then, the oversight has been formal and systematic. To commemorate ublication of the tenth edition of the Payment Systems Report, which is one of the products of financial infrastructure oversight, a section describing this function is included herein, explaining its need, responsibilities, scope, and activities. On this occasion, in addition to the traditional section providing figures on the local financial infrastructure and describing its behavior (Section One), we have included several highlights that underscore the more relevant aspects of how infrastructure for clearing and settling financial assets has evolved in the last decade. Special emphasis is afforded to the Colombian Central Counterparty Clearing House (CRCC), marking its ten years of operation. There also is a box describing how the company has increased its supply of products for clearing and settlement, and how, as a result, the open positions of its settlement members have performed likewise. At the same time, its risk management model has evolved structurally in response to regulatory adjustments, compliance with international standards, or decisions taken unilaterally by the CRCC, the idea being to have the necessary resources to mitigate exposure to counterparty and liquidity risk. In this way, the CRCC has become a undamentally important player in the Colombian financial market. Therefore, it is appropriate that the CRCC continue to be monitored by the country’s financial authorities. Another box included in this report offers an analysis of the advantages and disadvantages of lengthening the cash market settlement period in Colombia, which is another topic of interest. Currently, the clearing and settlement time for a cash transaction in most international markets is two business days (t + 2). In Colombia, nearly all peso/dollar and government and private debt transactions on the spot market are cleared and settled on the same trading day (t + 0). This box analyzes the possible implications of Colombia approximating the international standard. Retail-value payment systems (understood as operations carried out within the circuit of private individuals and companies), such as the use of payment instruments (cash, debit and credit cards, checks and electronic funds transfers), also must be monitored to identify their availability and the public’s preferences for these instruments and their acceptance by commercial establishments. With that in mind, three surveys have been conducted in the last decade to gauge how the use of payment instruments is perceived. A comparison of the findings of these three measurements is presented in a section of this report, and an analysis of that comparison indicates the use of payment instruments other than cash for daily payments is still low. Although their ownership and use by the general public is increasing, their acceptance by some commercial establishments remains limited. In keeping with efforts to oversight innovations in payment processes, the report also includes a box that explores the participation of large, global technology companies in the retail-value payment market. The payment services they offer are associated with innovative payment methods, such as “non-contact” or indirect technology, or by means of devices such as mobile phones, the use of debit and credit cards via applications, and channels such as the mobile network, POS terminals, and the Internet. In other words, these innovations are concentrated in the first stage of the payment process, without altering the other stages, such as traditional payment instruments, channels and systems. Finally, with respect to work in the area of applied research, the fourth section of this report describes how the cryptoasset system operates. It has two fundamental elements. The first is comprised of the agents who participate in the system; namely, cryptoasset users, and the agents who provide them with services. The second includes the digital asset and the underlying technology platform; together they support interaction between the agents in the crypto asset system. As explained in the respective box, the cryptoasset system is not isolated entirely from the financial system, which it pretends do without. In other words, users cannot extract themselves from the traditional financial system as long as cryptoassets have yet to be adopted on a mass scale, which so far assumes there is a connection between both systems. Juan José Echavarría Governo

Payment Systems Report - June of 2021

Banco de la República provides a comprehensive overview of Colombia’s finan¬cial infrastructure in its Payment Systems Report, which is an important product of the work it does to oversee that infrastructure. The figures published in this edition of the report are for the year 2020, a pandemic period in which the con¬tainment measures designed and adopted to alleviate the strain on the health system led to a sharp reduction in economic activity and consumption in Colom¬bia, as was the case in most countries. At the start of the pandemic, the Board of Directors of Banco de la República adopted decisions that were necessary to supply the market with ample liquid¬ity in pesos and US dollars to guarantee market stability, protect the payment system and preserve the supply of credit. The pronounced growth in mone¬tary aggregates reflected an increased preference for liquidity, which Banco de la República addressed at the right time. These decisions were implemented through operations that were cleared and settled via the financial infrastructure. The second section of this report, following the introduction, offers an analysis of how the various financial infrastructures in Colombia have evolved and per¬formed. One of the highlights is the large-value payment system (CUD), which registered more momentum in 2020 than during the previous year, mainly be¬cause of an increase in average daily remunerated deposits made with Banco de la República by the General Directorate of Public Credit and the National Treasury (DGCPTN), as well as more activity in the sell/buy-back market with sovereign debt. Consequently, with more activity in the CUD, the Central Securi¬ties Depository (DCV) experienced an added impetus sparked by an increase in the money market for bonds and securities placed on the primary market by the national government. The value of operations cleared and settled through the Colombian Central Counterparty (CRCC) continues to grow, propelled largely by peso/dollar non-deliverable forward (NDF) contracts. With respect to the CRCC, it is important to note this clearing house has been in charge of managing risks and clearing and settling operations in the peso/dollar spot market since the end of last year, following its merger with the Foreign Exchange Clearing House of Colombia (CCDC). Since the final quarter of 2020, the CRCC has also been re¬sponsible for clearing and settlement in the equities market, which was former¬ly done by the Colombian Stock Exchange (BVC). The third section of this report provides an all-inclusive view of payments in the market for goods and services; namely, transactions carried out by members of the public and non-financial institutions. During the pandemic, inter- and intra-bank electronic funds transfers, which originate mostly with companies, increased in both the number and value of transactions with respect to 2019. However, debit and credit card payments, which are made largely by private citizens, declined compared to 2019. The incidence of payment by check contin¬ue to drop, exhibiting quite a pronounced downward trend during the past last year. To supplement to the information on electronic funds transfers, section three includes a segment (Box 4) characterizing the population with savings and checking accounts, based on data from a survey by Banco de la República con-cerning the perception of the use of payment instruments in 2019. There also is segment (Box 2) on the growth in transactions with a mobile wallet provided by a company specialized in electronic deposits and payments (Sedpe). It shows the number of users and the value of their transactions have increased since the wallet was introduced in late 2017, particularly during the pandemic. In addition, there is a diagnosis of the effects of the pandemic on the payment patterns of the population, based on data related to the use of cash in circu¬lation, payments with electronic instruments, and consumption and consumer confidence. The conclusion is that the collapse in the consumer confidence in¬dex and the drop in private consumption led to changes in the public’s pay¬ment patterns. Credit and debit card purchases were down, while payments for goods and services through electronic funds transfers increased. These findings, coupled with the considerable increase in cash in circulation, might indicate a possible precautionary cash hoarding by individuals and more use of cash as a payment instrument. There is also a segment (in Focus 3) on the major changes introduced in regulations on the retail-value payment system in Colombia, as provided for in Decree 1692 of December 2020. The fourth section of this report refers to the important innovations and tech¬nological changes that have occurred in the retail-value payment system. Four themes are highlighted in this respect. The first is a key point in building the financial infrastructure for instant payments. It involves of the design and im¬plementation of overlay schemes, a technological development that allows the various participants in the payment chain to communicate openly. The result is a high degree of interoperability among the different payment service providers. The second topic explores developments in the international debate on central bank digital currency (CBDC). The purpose is to understand how it could impact the retail-value payment system and the use of cash if it were to be issued. The third topic is related to new forms of payment initiation, such as QR codes, bio¬metrics or near field communication (NFC) technology. These seemingly small changes can have a major impact on the user’s experience with the retail-value payment system. The fourth theme is the growth in payments via mobile tele¬phone and the internet. The report ends in section five with a review of two papers on applied research done at Banco de la República in 2020. The first analyzes the extent of the CRCC’s capital, acknowledging the relevant role this infrastructure has acquired in pro¬viding clearing and settlement services for various financial markets in Colom¬bia. The capital requirements defined for central counterparties in some jurisdic¬tions are explored, and the risks to be hedged are identified from the standpoint of the service these type of institutions offer to the market and those associated with their corporate activity. The CRCC’s capital levels are analyzed in light of what has been observed in the European Union’s regulations, and the conclusion is that the CRCC has a scheme of security rings very similar to those applied internationally and the extent of its capital exceeds what is stipulated in Colombian regulations, being sufficient to hedge other risks. The second study presents an algorithm used to identify and quantify the liquidity sources that CUD’s participants use under normal conditions to meet their daily obligations in the local financial market. This algorithm can be used as a tool to monitor intraday liquidity. Leonardo Villar Gómez Governo

Payment Systems Report - June of 2020

With its annual Payment Systems Report, Banco de la República offers a complete overview of the infrastructure of Colombia’s financial market. Each edition of the report has four objectives: 1) to publicize a consolidated account of how the figures for payment infrastructures have evolved with respect to both financial assets and goods and services; 2) to summarize the issues that are being debated internationally and are of interest to the industry that provides payment clearing and settlement services; 3) to offer the public an explanation of the ideas and concepts behind retail-value payment processes and the trends in retail payments within the circuit of individuals and companies; and 4) to familiarize the public, the industry, and all other financial authorities with the methodological progress that has been achieved through applied research to analyze the stability of payment systems. This edition introduces changes that have been made in the structure of the report, which are intended to make it easier and more enjoyable to read. The initial sections in this edition, which is the eleventh, contain an analysis of the statistics on the evolution and performance of financial market infrastructures. These are understood as multilateral systems wherein the participating entities clear, settle and register payments, securities, derivatives and other financial assets. The large-value payment system (CUD) saw less momentum in 2019 than it did the year before, mainly because of a decline in the amount of secondary market operations for government bonds, both in cash and sell/buy-backs, which was offset by an increase in operations with collective investment funds (CIFs) and Banco de la República’s operations to increase the money supply (repos). Consequently, the Central Securities Depository (DCV) registered less activity, due to fewer negotiations on the secondary market for public debt. This trend was also observed in the private debt market, as evidenced by the decline in the average amounts cleared and settled through the Central Securities Depository of Colombia (Deceval) and in the value of operations with financial derivatives cleared and settled through the Central Counterparty of Colombia (CRCC). Section three offers a comprehensive look at the market for retail-value payments; that is, transactions made by individuals and companies. During 2019, electronic transfers increased, and payments made with debit and credit cards continued to trend upward. In contrast, payments by check continued to decline, although the average daily value was almost four times the value of debit and credit card purchases. The same section contains the results of the fourth survey on how the use of retail-value payment instruments (for usual payments) is perceived. Conducted at the end of 2019, the main purpose of the survey was to identify the availability of these payment instruments, the public’s preferences for them, and their acceptance by merchants. It is worth noting that cash continues to be the instrument most used by the population for usual monthly payments (88.1% with respect to the number of payments and 87.4% in value). However, its use in terms of value has declined, having registered 89.6% in the 2017 survey. In turn, the level of acceptance by merchants of payment instruments other than cash is 14.1% for debit cards, 13.4% for credit cards, 8.2% for electronic transfers of funds and 1.8% for checks. The main reason for the use of cash is the absence of point-of-sale terminals at commercial establishments. Considering that the retail-payment market worldwide is influenced by constant innovation in payment services, by the modernization of clearing and settlement systems, and by the efforts of regulators to redefine the payment industry for the future, these trends are addressed in the fourth section of the report. There is an account of how innovations in technology-based financial payment services have developed, and it shows that while this topic is not new, it has evolved, particularly in terms of origin and vocation. One of the boxes that accompanies the fourth section deals with certain payment aspects of open banking and international experience in that regard, which has given the customers of a financial entity sovereignty over their data, allowing them, under transparent and secure conditions, to authorize a third party, other than their financial entity, to request information on their accounts with financial entities, thus enabling the third party to offer various financial services or initiate payments. Innovation also has sparked interest among international organizations, central banks, and research groups concerning the creation of digital currencies. Accordingly, the last box deals with the recent international debate on issuance of central bank digital currencies. In terms of the methodological progress that has been made, it is important to underscore the work that has been done on the role of central counterparties (CCPs) in mitigating liquidity and counterparty risk. The fifth section of the report offers an explanation of a document in which the work of CCPs in financial markets is analyzed and corroborated through an exercise that was built around the Central Counterparty of Colombia (CRCC) in the Colombian market for non-delivery peso-dollar forward exchange transactions, using the methodology of network topology. The results provide empirical support for the different theoretical models developed to study the effect of CCPs on financial markets. Finally, the results of research using artificial intelligence with information from the large-value payment system are presented. Based on the payments made among financial institutions in the large-value payment system, a methodology is used to compare different payment networks, as well as to determine which ones can be considered abnormal. The methodology shows signs that indicate when a network moves away from its historical trend, so it can be studied and monitored. A methodology similar to the one applied to classify images is used to make this comparison, the idea being to extract the main characteristics of the networks and use them as a parameter for comparison. Juan José Echavarría Governo

Financial Infrastructure Report 2022

Banco de la República's monitoring of the local financial market infrastructure is an additional contribution to the country's financial stability. One of the products of that monitoring has been the Payment Systems Report, which is now known as the Financial Infrastructure Report. The change in name, as of this edition, is intended to reflect in a broader way the issues that are addressed in the report. The 2022 edition includes several changes that are the result of a comparative study of financial infrastructure reports prepared by other central banks. These changes seek to make the report more fluid and easier to read, including main points and selected key figures for the different interest groups to which it is addressed. The report shows the financial infrastructure continued to render its services without interruption, with general evidence of good performance in 2021. Additionally, the resilience of the Central Counterparty Risk of Colombia (CRCC) and the Large-value Payments System (CUD) to extreme events was validated, based on stress tests conducted according to international standards (focused on liquidity and credit risk). As for retail payments, transactional information indicates the use of electronic instruments increased in terms of value during 2021 compared to 2020 (credit and debit cards, checks and electronic funds transfers). The use of debit and credit cards in payments rose to levels similar to those reached in the pre-pandemic year. Meanwhile, electronic funds transfers continued to grow. Although the results of the BR 2022 survey show cash continues to be the instrument most used by the public for regular payments (like the situation in other countries), the perception of its use decreased significantly to 75 % (87 % in 2019). Also, in commerce, cash was the preferred instrument for customers. However, in this measurement, several retail channels such as hairdressers, drugstores and restaurants joined the group that has traditionally received electronic payments for a value greater than 10% of their sales (hypermarkets and gas stations). Likewise, for nearly 50% of the population, cash payments are lower than before the pandemic. This is consistent with the transactional increase in electronic payment instruments that was observed in 2021. Banco de la República continues to monitor the technological developments that have expanded and modernized the supply in the international and local payments market, as these are issues of interest to the industry that provides clearing and settlement services. This report outlines the Pix case for instant payments in Brazil, the projects that are underway regarding the possible issue of digital currency by central banks (CBDC) for cross-border payments, as well as an approach to the Fintech ecosystem in Colombia, with an emphasis on companies that provide payment services. Leonardo Villar Governor Main points: 2022 The local financial infrastructure was safe and efficient throughout the year. The services of the financial infrastructure were proved on a continuous basis, showing good performance overall. Less momentum in the large-value payment system CUD activity declined versus the previous year because of fewer government deposits with BanRep. This was offset partially by growth in repos to increase money supply and in retail-value payments (electronic funds transfers, checks and cards). Increased momentum in financial market infrastructures. Larger amounts were cleared and settled through the Central Securities Depository (DCV) due to an increase in the market for sovereign debt. Operations managed by the Central Counterparty Risk of Colombia (CRCC) increased due to inclusion of the foreign exchange segment and the positive evolution in non-delivery forward peso/dollar contracts. Added confidence in the peso/dollar spot foreign exchange market due to CRCC interposition. Number and value of trades grew, mainly due to the adjustment of therisk management model for the FX segment and the increase in the limiton net selling positions in dollars. Stress testing with international standards to validate CRCC and CUD resilience Stress tests conducted independently by the SFC, BanRep and the CRCC, like those done in England and the United States, concluded that the CRCC's risk management model allows it to withstand extreme market events and simultaneous defaults by its main members. Based on the experience of other central banks, BanRep strengthened its intraday liquidity risk stress exercises in the CUD by incorporating temporary payment delays. It calculated that a two-hour delay by a key participant increases the system's liquidity needs by 0.5%. Electronic payments increased during 2021 According to transactional information, all electronic payment instruments increased in value versus 2020 (electronic funds transfers, checks and debit and credit cards). Electronic funds transfers continued to grow (80% from legal entities), with the participation of closed schemes driven particularly by the use of mobile wallets (35% of the number of intra-transfer transactions). The use of debit and credit cards for payments climbed to levels similar to those witnessed in the pre-pandemic year. Cash continues to be the instrument most used by the public for regular payments. The results of the BanRep survey in 2022 show that the perception of the use of cash declined significantly to 75% (87% in 2019), and about 50% of the population perceive their cash payments as being lower than those they made before the pandemic. Electronic funds transfers were second most used instrument, having increased to 15% (3% in 2019). Also, in commerce, cash was the preferred instrument of payment for its customers; however, several commerce channels received more than 10% of the value of their sales in electronic payments (hypermarkets 35%, gas stations 25%, hairdressers 15%, drugstores 14% and restaurants 12%). Continuous technological developments have broadened, and modernized services offered in the payments market. Pix (instant payments in Brazil). The high level of adoption of instant transfers in Brazil motivated a review of its strengths; namely, the possibility of different use cases between individuals, businesses, and government; high participation by financial and payment institutions; free of charge for individuals and the possibility of charging legal entities, and simple user experience. Digital currencies in central banking. Several groups of countries have joined forces to conduct pilot projects with wholesale CBDCs for cross-border payments. Flows generated by international trade, foreign investment and remittances between individuals can be processed more efficiently, transparently, and securely by reducing their cost and increasing their speed. Due to the constant progress being made on this issue, BanRep will continue to monitor all CBDC-related matters. The fintech ecosystem for payments in Colombia. A high percentage of existing FinTech companies in the country are dedicated to offering digital payment services: wallets, payment gateways, mobile devices (point-of-sale terminals) and acquisition. These have driven innovation in payment services

Desplazados, migraciones internas y reestructuraciones territoriales

En Colombia ha sido tanta la violencia y la sangre vertida que muchos han llegado a la aceptación de una tesis pseudocientífica sobre una supuesta criminalidad genética en la mayor parte de nuestros connacionales. El desconcierto nos ha llevado a desempolvar los tratados de biocriminalística para explicarnos, con ayuda de los genes, aquello que sólo puede explicarse como historia de la desigualdad y el abuso del poder. Al hablar de "criminales natos" en realidad estamos escondiendo las profundas fallas sociales que propician y encubren el crimen. / Contenido. Preliminares; Capítulo 1 - Problemas territoriales, migraciones internas y petróleo; capítulo 2 - Conflicto, paramilitarismo y desplazamiento; Capítulo 3 - Migraciones, desplazamientos y crecimiento urbano; Anexo