Influencia de factores sociales y tecnológicos en la intención de uso continuo de billeteras digitales: un modelo de ecuaciones estructurales
DOI:
https://doi.org/10.31637/epsir-2026-2102Palavras-chave:
billeteras digitales, utilidad percibida, facilidad de uso percibida, innovación personal, intensión continua de uso, factores sociales-tecnológicos, modelo UTAUT, modelo TAMResumo
Introducción: Las billeteras digitales contribuyen a la digitalización de transacciones comerciales mejorando su eficiencia. El estudio analizo los factores que influyen en la intención de uso de tecnología de las billeteras digitales como medio de pago en usuarios de la ciudad de Arequipa. Metodología: Se abordo un diseño con enfoque cuantitativo, no experimental-transversal y alcance correlacional-explicativo. Se encuesto a 440 usuarios de billeteras digitales, se realizó un AFE y modelado de PLS-SEM, aplicando método de bootstrapping para ratificar las hipótesis planteadas. Resultados: Los hallazgos muestran que la utilidad percibida y las condiciones facilitadoras son los principales predictores de la intención continua de uso de billeteras digitales. La facilidad de uso percibida tiene impacto significativo en la utilidad percibida y la intención de continua de uso. La innovación personal influyó positivamente en la intención continua de uso, mientras que la influencia social no resultó significativa. Discusión: Estos resultados muestran que los factores sociales y tecnológicos generan un impacto significativo sobre intensión continua de uso, sus ventajas son elementos clave para dicha adopción en los usuarios. Conclusiones: Se concluye que la usabilidad, el soporte estructural y la innovación personal son clave para promover la adopción sostenida de las billeteras digitales.
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Direitos de Autor (c) 2025 Jorge Eloy Rojas-Nina, Dino Franco Cuti-Saico, Lismer Yamil Laura-Pumaleque, Francisco Fredy Ayala Cochón, Miller Edgar Vargas Vizcarra
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