Factores que influyen en la intención de uso de tecnología móvil para realizar transacciones de dinero
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Date
2021-11-17
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Pontificia Universidad Católica del Perú
Abstract
La presente investigación busca identificar las relaciones entre los factores actitud, utilidad
percibida, facilidad percibida, confianza percibida y riesgo percibido con la intención de uso de
las aplicaciones móviles para realizar transacciones de dinero Yape y Plin; los participantes de
este estudio son mayores de 18 años de Lima Metropolitana que utilizan estas aplicaciones en su
vida cotidiana. El objetivo general es proponer un nuevo modelo de aceptación tecnológica,
basado en el Modelo de Aceptación Tecnológica (TAM) propuesto por Davis et al. (1989), que
permita analizar factores involucrados en aceptación del uso de las aplicaciones móviles para las
transacciones de dinero utilizando el celular. La investigación fue no experimental de tipo
correlacional y de corte transversal; la recolección de la información se realizó entre marzo y
julio del 2021 (en pandemia a nivel mundial); se utilizó la técnica de encuestas, mediante un
cuestionario de 21 preguntas, aplicadas a una muestra de 385 personas mayores de 18 años de
Lima Metropolitana que utilicen Yape o Plin para sus transacciones de dinero. De las hipótesis
planteadas en relación con los factores actitud, utilidad percibida, facilidad de uso, riesgo
percibido, confianza percibida e intención de uso; cuatro de las ocho hipótesis planteadas no
fueron significativamente confirmadas. El factor que mayor efecto tuvo sobre la intención de uso
fue la utilidad percibida. Se discuten algunas razones sobre las hipótesis rechazadas donde se
involucran aspectos como la pandemia y la idiosincrasia.
The present research seeks to identify the relationships between the factors attitude, perceived usefulness, perceived ease of use, perceived trust and perceived risk with the intention to use mobile applications for money transactions Yape and Plin; the participants in this study are over 18 years old and live in Metropolitan Lima who uses these applications in their daily lives. The general objective is to propose a new Technological Acceptance Model, based on the Technological Acceptance Model (TAM) proposed by Davis et al. (1989), which allows analyzing the factors involved in the acceptance of the use of mobile applications for money transactions using cell phones. The research was non-experimental, correlational and transversal, data collection was conducted from March to July 2021 in a global pandemic, a survey technique was used, a 21-items questionnaire was designed, applied to a sample of 385 people over 18 years old in Metropolitan Lima who uses Yape or Plin for their money transactions. With regard to the hypotheses proposed in relation to the factors attitude, perceived usefulness, perceived ease of use, perceived risk, perceived trust and intention to use, four of the eight hypotheses proposed were not significantly confirmed. The factor that had the greatest effect on the intention to use was perceived usefulness. Some reasons for the rejected hypotheses involving aspects such as pandemic and idiosyncrasy are discussed.
The present research seeks to identify the relationships between the factors attitude, perceived usefulness, perceived ease of use, perceived trust and perceived risk with the intention to use mobile applications for money transactions Yape and Plin; the participants in this study are over 18 years old and live in Metropolitan Lima who uses these applications in their daily lives. The general objective is to propose a new Technological Acceptance Model, based on the Technological Acceptance Model (TAM) proposed by Davis et al. (1989), which allows analyzing the factors involved in the acceptance of the use of mobile applications for money transactions using cell phones. The research was non-experimental, correlational and transversal, data collection was conducted from March to July 2021 in a global pandemic, a survey technique was used, a 21-items questionnaire was designed, applied to a sample of 385 people over 18 years old in Metropolitan Lima who uses Yape or Plin for their money transactions. With regard to the hypotheses proposed in relation to the factors attitude, perceived usefulness, perceived ease of use, perceived risk, perceived trust and intention to use, four of the eight hypotheses proposed were not significantly confirmed. The factor that had the greatest effect on the intention to use was perceived usefulness. Some reasons for the rejected hypotheses involving aspects such as pandemic and idiosyncrasy are discussed.
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Aplicaciones--Dispositivos móviles, Banca móvil--Perú
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