Adoção de carteiras digitais como determinante da inclusão financeira em vendedores ambulantes em Cusco

• Autor: Cruz Hermoza, Alfredo
• Formato: artículo
• Fecha de Publicación: 2024
• Institución: Universidad Nacional Mayor de San Marcos
• Repositorio: Revistas - Universidad Nacional Mayor de San Marcos
• Lenguaje: español
• OAI Identifier: oai:revistasinvestigacion.unmsm.edu.pe:article/27956
• Enlace del recurso: https://revistasinvestigacion.unmsm.edu.pe/index.php/quipu/article/view/27956
• Nivel de acceso: acceso abierto
• Materia: ahorro; economía; emprendimiento; crédito bancario; inclusión financiera; savings; economy; entrepreneurship; bank credit; financial inclusion; poupança; economia; empreendedorismo; crédito bancário; inclusão financeira

Objective: To measure the influence of adopting digital wallets on the financial inclusion of street vendors in Cusco. Methods: A quantitative approach with an explanatory, prospective and analytical scope was employed. The design was non-experimental and cross-sectional. Information was collected through surveys, using a questionnaire as the instrument, which was applied to 242 participants. Data analysis was conducted using a linear regression model. Results: It was determined that the adoption of digital wallets has a significant and positive influence on financial inclusion (β = 1.938, p < 0.05); additionally, an optimal degree of determination was observed (R2 = 99 %). Regarding the dimensions of financial inclusion, a significant and positive influence of digital wallet adoption was also found (p < 0.05). Conclusion: The adoption of digital wallets has a significant and positive influence on financial inclusion; therefore, access to the financial system for marginalized sectors requires joint collaboration between financial entities and the Government to propose policies that promote financial inclusion.