Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru
Descripción del Articulo
The objective of this research was to determine the factors that influence the intention to adopt fintech services by micro and small business owners from Chiclayo; for this purpose, an applied quantitative study was carried out in which the extended technology acceptance model proposed by Hu, Ding,...
| Autores: | , |
|---|---|
| Formato: | artículo |
| Fecha de Publicación: | 2021 |
| Institución: | Universidad del Pacífico |
| Repositorio: | UP-Institucional |
| Lenguaje: | inglés |
| OAI Identifier: | oai:repositorio.up.edu.pe:11354/3287 |
| Enlace del recurso: | https://hdl.handle.net/11354/3287 https://doi.org/10.21678/jb.2021.1650 |
| Nivel de acceso: | acceso abierto |
| Materia: | Pequeñas y medianas empresas--Perú--Chiclayo Industria de servicios financieros--Innovaciones tecnológicas--Perú--Chiclayo https://purl.org/pe-repo/ocde/ford#5.02.04 |
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| dc.title.es_PE.fl_str_mv |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| dc.title.alternative.es_PE.fl_str_mv |
Factores determinantes de la intención de adopción de servicios Fintech por parte de micro y pequeños empresarios de Chiclayo, Perú |
| title |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| spellingShingle |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru Merino Balcázar, Janella Jhojani Pequeñas y medianas empresas--Perú--Chiclayo Industria de servicios financieros--Innovaciones tecnológicas--Perú--Chiclayo https://purl.org/pe-repo/ocde/ford#5.02.04 |
| title_short |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| title_full |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| title_fullStr |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| title_full_unstemmed |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| title_sort |
Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru |
| author |
Merino Balcázar, Janella Jhojani |
| author_facet |
Merino Balcázar, Janella Jhojani Llatas Rivas, Ángel Eduardo |
| author_role |
author |
| author2 |
Llatas Rivas, Ángel Eduardo |
| author2_role |
author |
| dc.contributor.author.fl_str_mv |
Merino Balcázar, Janella Jhojani Llatas Rivas, Ángel Eduardo |
| dc.subject.es_PE.fl_str_mv |
Pequeñas y medianas empresas--Perú--Chiclayo Industria de servicios financieros--Innovaciones tecnológicas--Perú--Chiclayo |
| topic |
Pequeñas y medianas empresas--Perú--Chiclayo Industria de servicios financieros--Innovaciones tecnológicas--Perú--Chiclayo https://purl.org/pe-repo/ocde/ford#5.02.04 |
| dc.subject.ocde.none.fl_str_mv |
https://purl.org/pe-repo/ocde/ford#5.02.04 |
| description |
The objective of this research was to determine the factors that influence the intention to adopt fintech services by micro and small business owners from Chiclayo; for this purpose, an applied quantitative study was carried out in which the extended technology acceptance model proposed by Hu, Ding, Li, Chen and Yang (2019) was used for the analysis of nine variables related to the adoption of these technologies. The results reaffirmed that most of the constructs included in the conceptual model have great explanatory power regarding the adoption intention of fintech services, in that 11 of the 13 hypotheses were proven. Thus, it was demonstrated that business owners from Chiclayo use a new technology mainly under the influence of factors such as trust, brand image, and perceived utility, while also considering the potential risks to which they may be exposed; together, these considerations influence their attitude toward adopting fintech services. Finally, the analysis showed that government support and perceived ease of use have only a limited effect, while user innovativeness was the only factor that turned out to be non-significant in the intention to adopt this kind of services. |
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2021 |
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2022-01-24T17:13:12Z |
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2022-01-24T17:13:12Z |
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2021 |
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info:eu-repo/semantics/article |
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https://hdl.handle.net/11354/3287 |
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Merino Balcázar, J. J., & Llatas Rivas, Á. E. (2021). Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru. Journal of Business, 13(2), 19-43. https://doi.org/10.21678/jb.2021.1650 |
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https://doi.org/10.21678/jb.2021.1650 |
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https://hdl.handle.net/11354/3287 https://doi.org/10.21678/jb.2021.1650 |
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Merino Balcázar, J. J., & Llatas Rivas, Á. E. (2021). Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru. Journal of Business, 13(2), 19-43. https://doi.org/10.21678/jb.2021.1650 |
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eng |
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eng |
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https://revistas.up.edu.pe/index.php/business/article/view/1650/1564 |
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https://doi.org/10.21678/2078-9424 |
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Merino Balcázar, Janella JhojaniLlatas Rivas, Ángel Eduardo2022-01-24T17:13:12Z2022-01-24T17:13:12Z2021https://hdl.handle.net/11354/3287Merino Balcázar, J. J., & Llatas Rivas, Á. E. (2021). Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, Peru. Journal of Business, 13(2), 19-43. https://doi.org/10.21678/jb.2021.1650https://doi.org/10.21678/jb.2021.1650The objective of this research was to determine the factors that influence the intention to adopt fintech services by micro and small business owners from Chiclayo; for this purpose, an applied quantitative study was carried out in which the extended technology acceptance model proposed by Hu, Ding, Li, Chen and Yang (2019) was used for the analysis of nine variables related to the adoption of these technologies. The results reaffirmed that most of the constructs included in the conceptual model have great explanatory power regarding the adoption intention of fintech services, in that 11 of the 13 hypotheses were proven. Thus, it was demonstrated that business owners from Chiclayo use a new technology mainly under the influence of factors such as trust, brand image, and perceived utility, while also considering the potential risks to which they may be exposed; together, these considerations influence their attitude toward adopting fintech services. Finally, the analysis showed that government support and perceived ease of use have only a limited effect, while user innovativeness was the only factor that turned out to be non-significant in the intention to adopt this kind of services.El objetivo de esta investigación fue determinar los factores que inciden en la intención de adoptar servicios fintech por parte de los micro y pequeños empresarios de Chiclayo; para ello se realizó un estudio cuantitativo aplicado en el que se utilizó el modelo de aceptación de tecnología extendida propuesto por Hu, Ding, Li, Chen y Yang (2019) para el análisis de nueve variables relacionadas con la adopción de estas tecnologías. Los resultados reafirmaron que la mayoría de los constructos incluidos en el modelo conceptual tienen un gran poder explicativo sobre la intención de adopción de los servicios fintech, ya que 11 de las 13 hipótesis fueron comprobadas. Así, se demostró que los empresarios de Chiclayo utilizan una nueva tecnología principalmente bajo la influencia de factores como la confianza, la imagen de marca y la utilidad percibida, considerando también los riesgos potenciales a los que pueden estar expuestos; juntas, estas consideraciones influyen en su actitud hacia la adopción de servicios fintech. Finalmente, el análisis mostró que el apoyo del gobierno y la facilidad de uso percibida tienen solo un efecto limitado, mientras que la innovación del usuario fue el único factor que resultó no significativo en la intención de adoptar este tipo de servicios.application/pdfengUniversidad del Pacífico. Facultad de Ciencias EmpresarialesPEhttps://revistas.up.edu.pe/index.php/business/article/view/1650/1564https://doi.org/10.21678/2078-9424info:eu-repo/semantics/openAccesshttp://creativecommons.org/licenses/by/4.0/deed.esPequeñas y medianas empresas--Perú--ChiclayoIndustria de servicios financieros--Innovaciones tecnológicas--Perú--Chiclayohttps://purl.org/pe-repo/ocde/ford#5.02.04Determining factors of the intention to adopt fintech services by micro and small business owners from Chiclayo, PeruFactores determinantes de la intención de adopción de servicios Fintech por parte de micro y pequeños empresarios de Chiclayo, Perúinfo:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionreponame:UP-Institucionalinstname:Universidad del Pacíficoinstacron:UPORIGINAL3287.html3287.htmltext/html164https://repositorio.up.edu.pe/backend/api/core/bitstreams/45e1dec9-a5c6-4f12-ad24-dea39fcebe27/contentf35d3a8433f0561eb6aede18cac81948MD51CC-LICENSElicense_rdflicense_rdfapplication/rdf+xml; charset=utf-8914https://repositorio.up.edu.pe/backend/api/core/bitstreams/f3d5287f-6503-4fa2-adcd-b8c6ec054e65/contentff28a15b31d8b36d045b61ef83195dd0MD52LICENSElicense.txtlicense.txttext/plain; charset=utf-81748https://repositorio.up.edu.pe/backend/api/core/bitstreams/a4175e4f-2138-4c83-8897-e38578869cde/content8a4605be74aa9ea9d79846c1fba20a33MD53TEXT3287.html.txt3287.html.txtExtracted texttext/plain2https://repositorio.up.edu.pe/backend/api/core/bitstreams/23a798df-4a85-4525-bc6d-5cdb541babe4/contentb8af0084f79f1a7fd8f5e37a025c4f3fMD5511354/3287oai:repositorio.up.edu.pe:11354/32872025-03-27 16:57:27.093http://creativecommons.org/licenses/by/4.0/deed.esinfo:eu-repo/semantics/openAccessopen.accesshttps://repositorio.up.edu.peRepositorio Institucional de la Universidad del Pacíficorepositorio@up.edu.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 |
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Nota importante:
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
