Evidencia empírica del proceso de adopción tecnológica de las billeteras digitales en la localidad de Kennedy, Bogotá - Colombia
Loading...
Date
2024-06-07
Advisors
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporacion Universitaria Minuto de Dios - UNIMINUTO
Type
Tesis de Maestría
Rights
Acceso Abierto - http://purl.org/coar/access_right/c_abf2
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
La investigación aborda cómo la pandemia de COVID-19 aceleró la necesidad de adaptación tecnológica en las micro y pequeñas empresas, específicamente en el uso de billeteras digitales como método de pago. Este cambio responde a la demanda de evitar el contacto físico y facilitar transacciones seguras y eficientes. Se explora la adopción de estas tecnologías en un entorno caracterizado por su rápida evolución tecnológica y su impacto económico y social significativo. A través de un enfoque cuantitativo y un diseño correlacional, el estudio identifica y analiza variables clave como la utilidad percibida, la facilidad de uso, y otros factores que influyen en la adopción tecnológica según el Modelo de Aceptación Tecnológica (TAM). Se utiliza un instrumento de encuesta validado por expertos para recolectar datos de 351 micronegocios, asegurando representatividad y relevancia estadística. Los resultados destacan que la adopción de billeteras digitales no solo está influenciada por las características tecnológicas de las plataformas, sino también por aspectos socioeconómicos y culturales de los usuarios. Estos hallazgos apuntan hacia estrategias que podrían mejorar la implementación y aceptación de estas tecnologías en pequeñas empresas, contribuyendo a su competitividad y eficiencia operativa en el contexto post-pandemia. Este estudio contribuye significativamente al cuerpo académico existente, ofreciendo nuevos insights sobre la adopción tecnológica en microempresas en regiones en desarrollo, y sienta las bases para futuras investigaciones en el campo de la gestión de la innovación y la tecnología financiera.
The research addresses how the COVID-19 pandemic accelerated the need for technological adaptation in micro and small businesses, specifically in the use of digital wallets as a payment method. This shift responds to the demand to avoid physical contact and facilitate safe and efficient transactions. The study explores the adoption of these technologies in an environment characterized by rapid technological evolution and significant economic and social impact. Using a quantitative approach and a correlational design, the study identifies and analyzes key variables such as perceived utility, ease of use, and other factors influencing technological adoption according to the Technology Acceptance Model (TAM). A survey instrument validated by experts is used to collect data from 351 micro-businesses, ensuring statistical representativeness and relevance. The findings highlight that the adoption of digital wallets is influenced not only by the technological features of the platforms but also by the socioeconomic and cultural aspects of the users. These insights suggest strategies that could improve the implementation and acceptance of these technologies in small businesses, contributing to their competitiveness and operational efficiency in the post-pandemic context. This study significantly contributes to the existing academic body, offering new insights on technological adoption in micro-enterprises in developing regions, and lays the groundwork for future research in the field of innovation management and financial technology.
The research addresses how the COVID-19 pandemic accelerated the need for technological adaptation in micro and small businesses, specifically in the use of digital wallets as a payment method. This shift responds to the demand to avoid physical contact and facilitate safe and efficient transactions. The study explores the adoption of these technologies in an environment characterized by rapid technological evolution and significant economic and social impact. Using a quantitative approach and a correlational design, the study identifies and analyzes key variables such as perceived utility, ease of use, and other factors influencing technological adoption according to the Technology Acceptance Model (TAM). A survey instrument validated by experts is used to collect data from 351 micro-businesses, ensuring statistical representativeness and relevance. The findings highlight that the adoption of digital wallets is influenced not only by the technological features of the platforms but also by the socioeconomic and cultural aspects of the users. These insights suggest strategies that could improve the implementation and acceptance of these technologies in small businesses, contributing to their competitiveness and operational efficiency in the post-pandemic context. This study significantly contributes to the existing academic body, offering new insights on technological adoption in micro-enterprises in developing regions, and lays the groundwork for future research in the field of innovation management and financial technology.
Description
Analizar el proceso de adopción tecnológica de las billeteras digitales en las Micro y Pequeñas empresas de comercio y servicio en la localidad de Kennedy, Bogotá - Colombia.
Keywords
Modelo de Aceptación de Tecnología, Billeteras Digitales, Micronegocios, Technology Acceptance Model, Digital Wallets, Micro-businesses, Payment Methods