{"id":182150,"date":"2026-10-01T20:24:28","date_gmt":"2026-10-02T02:24:28","guid":{"rendered":"https:\/\/lospoliticosveracruz.com\/?p=182150"},"modified":"2026-10-01T20:24:29","modified_gmt":"2026-10-02T02:24:29","slug":"adios-al-efectivo-con-la-nueva-ley","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=182150","title":{"rendered":"ADI\u00d3S AL EFECTIVO CON LA NUEVA LEY"},"content":{"rendered":"
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\"\"<\/a><\/figure>\n<\/div>\n\n\n

Jorge Ram\u00f3n Rizzo<\/strong><\/p>\n\n\n\n

Focus Group
<\/em>
<\/strong><\/p>\n\n\n\n

En un giro sin precedentes para la pol\u00edtica fiscal y econ\u00f3mica del pa\u00eds, la reci\u00e9n aprobada Ley de Econom\u00eda Digital ha encendido las alarmas de analistas, defensores de derechos civiles y hasta de ciertos sectores productivos.<\/p>\n\n\n\n

A diferencia de los pa\u00edses europeos, donde la digitalizaci\u00f3n fue consecuencia del desarrollo social, en M\u00e9xico alrededor del 80% de las transacciones cotidianas se siguen realizando en efectivo. Otorgar poder absoluto a la Secretar\u00eda de Hacienda para prohibir el dinero f\u00edsico en sectores estrat\u00e9gicos ignora m\u00e9tricas globales.<\/p>\n\n\n\n

Al otorgarse una facultad extraordinaria a la Secretar\u00eda de Hacienda para determinar, bajo su propio criterio, cu\u00e1les son los \u201csectores estrat\u00e9gicos\u201d y las \u201cactividades relevantes\u201d en los que los pagos digitales ser\u00e1n la \u00fanica v\u00eda legal de transacci\u00f3n, el Estado no solo busca modernizar el comercio; est\u00e1 trazando una l\u00ednea peligrosa hacia la exclusi\u00f3n y el control absoluto.<\/p>\n\n\n\n

A primera vista, la narrativa oficial es atractiva: combatir la evasi\u00f3n fiscal, reducir la informalidad, sofocar el financiamiento il\u00edcito y subir al pa\u00eds al tren de la modernidad tecnol\u00f3gica. Suecia, Noruega, China e India son pa\u00edses donde sus procesos de transici\u00f3n global hacia sociedades sin efectivo han permitido entender que los riesgos y desaf\u00edos de la digitalizaci\u00f3n obligatoria no son te\u00f3ricos.<\/p>\n\n\n\n

Sin embargo, en M\u00e9xico, detr\u00e1s de la promesa de eficiencia e innovaci\u00f3n se esconde una medida de corte centralista que ignora la profunda brecha digital del pa\u00eds y vulnera la libertad de elecci\u00f3n de los ciudadanos.<\/p>\n\n\n\n

El primer gran tropiezo de esta ley es su car\u00e1cter excluyente. Decretar que ciertos sectores operen exclusivamente de forma digital presupone una infraestructura que el pa\u00eds no tiene.<\/p>\n\n\n\n

Millones de ciudadanos carecen de acceso a internet estable, de cobertura de telefon\u00eda m\u00f3vil confiable o, peor a\u00fan, de una cuenta bancaria. Al prohibir el dinero en efectivo en actividades clave, la ley no formaliza a los marginados; los expulsa del mercado.<\/p>\n\n\n\n

Una persona de la tercera edad sin habilidades digitales o un comerciante en una zona rural incomunicada quedar\u00e1n, por decreto, fuera de la legalidad econ\u00f3mica.<\/p>\n\n\n\n

El segundo aspecto cr\u00edtico es la alarmante discrecionalidad otorgada a la Secretar\u00eda de Hacienda. \u00bfBajo qu\u00e9 par\u00e1metros t\u00e9cnicos se definir\u00e1 qu\u00e9 es un \u201csector estrat\u00e9gico\u201d o una \u201cactividad relevante\u201d?<\/p>\n\n\n\n

La ambig\u00fcedad del texto legal abre la puerta a que criterios pol\u00edticos, y no econ\u00f3micos, dicten qu\u00e9 industrias se ven obligadas a transformarse de la noche a la ma\u00f1ana. Esto genera una enorme incertidumbre jur\u00eddica para las empresas, que quedan a merced de regulaciones cambiantes y de la burocracia fiscal.<\/p>\n\n\n\n

La Ley de Econom\u00eda Digital, en su redacci\u00f3n actual, no democratiza la tecnolog\u00eda: la convierte en un arma de exclusi\u00f3n burocr\u00e1tica. Una econom\u00eda fuerte y justa requiere libertades, no candados digitales. Imponer la digitalizaci\u00f3n a golpes de decreto solo conseguir\u00e1 profundizar la brecha de desigualdad, empujando a los m\u00e1s vulnerables hacia un aislamiento econ\u00f3mico irreversible.<\/p>\n\n\n\n

Finalmente, no se puede obviar el factor del control social y de la privacidad. El efectivo representa el \u00faltimo basti\u00f3n de autonom\u00eda financiera frente al Estado y las grandes corporaciones bancarias. Por eso el debate actual en M\u00e9xico en torno a la Ley de Econom\u00eda Digital para Pagos Digitales y Electr\u00f3nicos ha salido a relucir y dar\u00e1 mucho de qu\u00e9 hablar en las semanas por venir.<\/p>\n\n\n\n

Obligar a que toda transacci\u00f3n en sectores clave deje una huella digital permanente convierte a la Secretar\u00eda de Hacienda en un supervisor omnisciente de la vida privada de los ciudadanos. Cada compra, cada servicio contratado y cada intercambio comercial quedar\u00e1 registrado, fiscalizado y potencialmente expuesto a filtraciones de datos o ciberataques.<\/p>\n\n\n\n

La modernizaci\u00f3n econ\u00f3mica es necesaria, pero no puede imponerse a golpes de decreto ni a costa de los derechos de los m\u00e1s vulnerables. La Ley de Econom\u00eda Digital, en su estado actual, confunde bancarizaci\u00f3n con desarrollo y control con progreso. Si el objetivo real es una econom\u00eda m\u00e1s fuerte y transparente, el camino correcto es el de los incentivos, la inversi\u00f3n en infraestructura y la educaci\u00f3n financiera; nunca el de la prohibici\u00f3n y la digitalizaci\u00f3n forzada. Es mi humilde opini\u00f3n.<\/p>\n\n\n\n

Periodista\/Tlaxcala<\/p>\n","protected":false},"excerpt":{"rendered":"

Jorge Ram\u00f3n Rizzo Focus Group En un giro sin precedentes para la pol\u00edtica fiscal y econ\u00f3mica del pa\u00eds, la reci\u00e9n aprobada Ley de Econom\u00eda Digital ha encendido las alarmas de analistas, defensores de derechos civiles y hasta de ciertos sectores productivos. A diferencia de los pa\u00edses europeos, donde la digitalizaci\u00f3n fue consecuencia del desarrollo social, […]<\/p>\n","protected":false},"author":2,"featured_media":174802,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[71529,41766,61245,71528,71530,71531,1110],"class_list":["post-182150","post","type-post","status-publish","format-standard","has-post-thumbnail","category-de-opinion","tag-brecha-digital","tag-dinero-en-efectivo","tag-jorge-ramon-rizzo","tag-ley-de-economia-digital","tag-pagos-digitales-en-mexico","tag-privacidad-financiera","tag-secretaria-de-hacienda"],"yoast_head":"\nADI\u00d3S AL EFECTIVO CON LA NUEVA LEY - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=182150\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ADI\u00d3S AL EFECTIVO CON LA NUEVA LEY - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Jorge Ram\u00f3n Rizzo Focus Group En un giro sin precedentes para la pol\u00edtica fiscal y econ\u00f3mica del pa\u00eds, la reci\u00e9n aprobada Ley de Econom\u00eda Digital ha encendido las alarmas de analistas, defensores de derechos civiles y hasta de ciertos sectores productivos. 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