Algunos medios de pago hoy en día se han transformado a medios digitales otorgando una variedad de opciones que ofrecen una mejor experiencia de usuario. En este sentido, la presente investigación tuvo como objetivo analizar la tendencia de la utilización de medios de pago distintos al efectivo, cajeros y banca virtual, 2013 – 2021, con un enfoque cuantitativo, tipo básica, nivel descriptivo, diseño no experimental y de corte longitudinal, utilizando información del Banco Central de Reserva del Perú. Los resultados determinaron que existe una tendencia creciente y significativa al uso de la banca virtual y es que con la llegada del Covid-19 las transacciones personales y empresariales se adaptaron al uso de la tecnología. Del mismo modo, las transferencias y tarjetas de débito han tenido un comportamiento creciente, el uso del cajero ha tenido un mínimo crecimiento y el uso d...

Nowadays, some means of payment have been transformed to digital means, granting a variety of options that offer a better user experience. In this sense, the goal of the present research was analyze the trend of the use of payment methods other than cash, ATMs and virtual banking, 2013 - 2021, with a quantitative approach, basic type, descriptive level, non-experimental design and longitudinal court, using information from the Banco Central de Reserva del Perú. The results determined that there is a growing and significant trend in the use of virtual banking and that with the arrival of Covid-19, personal and business transactions were adapted to the use of technology. In the same way, transfers and debit cards have had a growing behavior, the use of ATMs has had a minimal growth and the use of checks, as a means of payment different to cash, has had a decreasing trend.

Taking into account the health emergency at the national level that dictates prevention and control measures for Covid 19 in the country and the consequent paralysis and/or decrease in economic activities, the present research aimed to determine the performance of credit placements of the Multiple banking in the Tacna region, before and after the measures for the health emergency. The methodology had a quantitative approach, basic type, non-experimental design, longitudinal due to it compared two groups of 20 months each one. It established that there are differences between credit placements by multiple banks in the Tacna region before and after the measures were taken due to the health emergency due to Covid 19. The results determined that the mean for the first group called credit placement by multiple banks in the Tacna region before the health emergency measures is 1,553,854.1380, w...