Barriers of resistance to technological innovation in the consumption of banking products among older adults
Descripción del Articulo
The main objective of this research was to identify the way in which the barriers of resistance to technological innovation are manifested by older adults as consumers in the banking sector. For this purpose, an exploratory and confirmatory factor analysis was used, based on the application of a sur...
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|---|---|
| Formato: | artículo |
| Fecha de Publicación: | 2026 |
| Institución: | Universidad del Pacífico |
| Repositorio: | Revistas - Universidad del Pacífico |
| Lenguaje: | español |
| OAI Identifier: | oai:ojs.revistas.up.edu.pe:article/2271 |
| Enlace del recurso: | https://revistas.up.edu.pe/index.php/apuntes/article/view/2271 |
| Nivel de acceso: | acceso abierto |
| Materia: | technological innovation functional barriers psychological barriers older adults innovación tecnológica barreras funcionales barreras psicológicas adulto mayor |
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Barriers of resistance to technological innovation in the consumption of banking products among older adultsBarreras de resistencia a la innovación tecnológica para el consumo de productos bancarios en adultos mayoresLópez-Rodríguez, Campo Elíastechnological innovationfunctional barrierspsychological barriersolder adultsinnovación tecnológicabarreras funcionalesbarreras psicológicasadulto mayorThe main objective of this research was to identify the way in which the barriers of resistance to technological innovation are manifested by older adults as consumers in the banking sector. For this purpose, an exploratory and confirmatory factor analysis was used, based on the application of a survey to 502 older adults living in the city of Bogotá, Colombia. The results made it possible to consolidate a multidimensional model of the barriers to resistance to technological innovation for the consumption of banking products in older adults, which was made up of barriers of use, risk, traditions and image. In conclusion, and from the consolidation of this model, banking institutions can use this proposal to develop policies that promote the financial and digital inclusion of older adults, addressing the psychological and functional barriers to the construction of a particular value proposition for this market segment.Esta investigación tuvo como principal objetivo identificar la manera en la cual se manifiestan las barreras de resistencia a la innovación tecnológica por parte de adultos mayores como consumidores en el sector bancario. Para ello, se utilizó un análisis factorial exploratorio y confirmatorio, a partir de la aplicación de una encuesta a 502 adultos mayores con domicilio en la ciudad de Bogotá, Colombia. Los resultados permitieron consolidar un modelo multidimensional de las barreras de resistencia a la innovación tecnológica para el consumo de productos bancarios en adultos mayores, el cual se conformó por las barreras de uso, de riesgo, de las tradiciones y de la imagen. A manera de conclusión, y desde la consolidación de este modelo, las instituciones bancarias pueden utilizar esta propuesta para desarrollar políticas que fomenten la inclusión financiera y digital de los adultos mayores, abordando las barreras psicológicas y funcionales para la construcción de una particular propuesta de valor para este segmento del mercado.Universidad del Pacífico2026-01-29info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdftext/htmlhttps://revistas.up.edu.pe/index.php/apuntes/article/view/2271Apuntes. Social Sciences Journal; Vol. 53 No. 100 (2026): Apuntes 100Apuntes. Revista de ciencias sociales; Vol. 53 Núm. 100 (2026): Apuntes 1002223-17570252-1865reponame:Revistas - Universidad del Pacíficoinstname:Universidad del Pacíficoinstacron:UPspahttps://revistas.up.edu.pe/index.php/apuntes/article/view/2271/1914https://revistas.up.edu.pe/index.php/apuntes/article/view/2271/1944Derechos de autor 2026 Campo Elías López-Rodríguezhttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessoai:ojs.revistas.up.edu.pe:article/22712026-02-13T16:46:09Z |
| dc.title.none.fl_str_mv |
Barriers of resistance to technological innovation in the consumption of banking products among older adults Barreras de resistencia a la innovación tecnológica para el consumo de productos bancarios en adultos mayores |
| title |
Barriers of resistance to technological innovation in the consumption of banking products among older adults |
| spellingShingle |
Barriers of resistance to technological innovation in the consumption of banking products among older adults López-Rodríguez, Campo Elías technological innovation functional barriers psychological barriers older adults innovación tecnológica barreras funcionales barreras psicológicas adulto mayor |
| title_short |
Barriers of resistance to technological innovation in the consumption of banking products among older adults |
| title_full |
Barriers of resistance to technological innovation in the consumption of banking products among older adults |
| title_fullStr |
Barriers of resistance to technological innovation in the consumption of banking products among older adults |
| title_full_unstemmed |
Barriers of resistance to technological innovation in the consumption of banking products among older adults |
| title_sort |
Barriers of resistance to technological innovation in the consumption of banking products among older adults |
| dc.creator.none.fl_str_mv |
López-Rodríguez, Campo Elías |
| author |
López-Rodríguez, Campo Elías |
| author_facet |
López-Rodríguez, Campo Elías |
| author_role |
author |
| dc.subject.none.fl_str_mv |
technological innovation functional barriers psychological barriers older adults innovación tecnológica barreras funcionales barreras psicológicas adulto mayor |
| topic |
technological innovation functional barriers psychological barriers older adults innovación tecnológica barreras funcionales barreras psicológicas adulto mayor |
| description |
The main objective of this research was to identify the way in which the barriers of resistance to technological innovation are manifested by older adults as consumers in the banking sector. For this purpose, an exploratory and confirmatory factor analysis was used, based on the application of a survey to 502 older adults living in the city of Bogotá, Colombia. The results made it possible to consolidate a multidimensional model of the barriers to resistance to technological innovation for the consumption of banking products in older adults, which was made up of barriers of use, risk, traditions and image. In conclusion, and from the consolidation of this model, banking institutions can use this proposal to develop policies that promote the financial and digital inclusion of older adults, addressing the psychological and functional barriers to the construction of a particular value proposition for this market segment. |
| publishDate |
2026 |
| dc.date.none.fl_str_mv |
2026-01-29 |
| dc.type.none.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
| format |
article |
| status_str |
publishedVersion |
| dc.identifier.none.fl_str_mv |
https://revistas.up.edu.pe/index.php/apuntes/article/view/2271 |
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https://revistas.up.edu.pe/index.php/apuntes/article/view/2271 |
| dc.language.none.fl_str_mv |
spa |
| language |
spa |
| dc.relation.none.fl_str_mv |
https://revistas.up.edu.pe/index.php/apuntes/article/view/2271/1914 https://revistas.up.edu.pe/index.php/apuntes/article/view/2271/1944 |
| dc.rights.none.fl_str_mv |
Derechos de autor 2026 Campo Elías López-Rodríguez https://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
| rights_invalid_str_mv |
Derechos de autor 2026 Campo Elías López-Rodríguez https://creativecommons.org/licenses/by/4.0 |
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openAccess |
| dc.format.none.fl_str_mv |
application/pdf text/html |
| dc.publisher.none.fl_str_mv |
Universidad del Pacífico |
| publisher.none.fl_str_mv |
Universidad del Pacífico |
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Apuntes. Social Sciences Journal; Vol. 53 No. 100 (2026): Apuntes 100 Apuntes. Revista de ciencias sociales; Vol. 53 Núm. 100 (2026): Apuntes 100 2223-1757 0252-1865 reponame:Revistas - Universidad del Pacífico instname:Universidad del Pacífico instacron:UP |
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Universidad del Pacífico |
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UP |
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UP |
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Revistas - Universidad del Pacífico |
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Revistas - Universidad del Pacífico |
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13.411838 |
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).
