Factores que determinan la intención de uso de la billetera electrónica en la ciudad de Loja, un enfoque generacional

Abstract

Abstract: In this research, the main objective is to determine the factors that influence the use of the electronic wallet in Loja from a generational approach. For this, it was used a validated and adapted survey, based on a previous study on payment adoption mobile phones in Latin America. The survey, with a Likert scale, was applied to 389 citizens of Loja, segmented by generation. In addition, the Acceptance Model was used Technology (TAM) to identify the factors that affect the use of the wallet electronics. Among the main results, performance expectation, confidence in electronic wallet and consumer optimism are the most determining factors for the adoption of this technology, especially among young millennials and generation Z. In contrast, baby boomers showed less confidence in this method. The findings suggest that users perceive high levels of usefulness and ease of use in wallets electronic, which facilitates their acceptance and continued use. These conclusions provide a solid basis for future strategies and decisions in the financial field in Loja.