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Low-income consumers’ disposition to use automated banking services

dc.contributor.authorCorrea Nuñez, Juan Carlosspa
dc.contributor.authorDakduk, Silvanaspa
dc.contributor.authorvan der Woude, Davidspa
dc.contributor.authorSandoval Escobar, Marithzaspa
dc.contributor.authorLopez Llamas, Rafaelspa
dc.date.accessioned2023-06-21T22:22:58Z
dc.date.available2023-06-21T22:22:58Z
dc.date.issued2022-05-17
dc.identifier.urihttp://hdl.handle.net/10726/5039
dc.language.isoeng
dc.publisherCogent OA
dc.titleLow-income consumers’ disposition to use automated banking serviceseng
dc.typearticle
dc.rights.accessrightsinfo:eu-repo/semantics/openAccess
dc.rights.localAbierto (Texto Completo)
dc.type.versioninfo:eu-repo/semantics/acceptedVersion
dc.identifier.instnameinstname:Colegio de Estudios Superiores de Administración – CESA
dc.identifier.reponamereponame:Biblioteca Digital – CESA
dc.identifier.repourlrepourl:https://repository.cesa.edu.co/
dc.description.abstractenglishAutomated banking services rely on the so-called fintech technologies. These technologies, however, represent an opportunity to enhance financial inclusion indicators among low-income customers. This paper aims to develop a new conceptual framework to analyse low-income consumers’ disposition to use automated banking services. The work consists of an omnibus study conducted in eight major cities of Colombia. A survey aiming to measure the disposition to use automated banking services as a function of technology disposition provided by bank firms was developed and validated with a sample of 483 Colombian low-income residents. An exploratory analysis was applied, estimating items variance and co-variance matrices. Sampling adequacy and assumption evaluation were evaluated through the Kaiser-Meyer-Olkin test, Tau-equivalence test, and homogeneous items test. Robust parameters were estimated via Structural Equation Modelling following the standards of reproducible research. Statistical, robust, and significant relationships between technology disposition and use of automated banking services in low-income Colombian consumers were confirmed, suggesting the potential success of deploying these services as a means to boost financial inclusion in this segment. This study provides fresh conceptual insights on low-income customers’ disposition to adopt and use ever-changing technologies for the financial and banking sector. It is among the first empirical studies that provide empirical evidence that breaks the stereotype that low-income customers are reluctant to use new technologies in the financial sector.eng
dc.type.coarhttp://purl.org/coar/resource_type/c_2df8fbb1
dc.relation.citationvolume9
dc.relation.citationissue1
dc.contributor.orcidCorrea Nuñez, Juan Carlos [0000-0002-0301-5641]
dc.contributor.orcidDakduk, Silvana [0000-0003-4700-5354]
dc.contributor.orcidvan der Woude, David [0000-0003-1682-9481]
dc.contributor.orcidSandoval Escobar, Marithza [0000-0003-1938-0675]
dc.contributor.orcidLopez Llamas, Rafael [0000-0002-5819-8270]
dc.type.driverinfo:eu-repo/semantics/article
dc.type.redcolhttp://purl.org/redcol/resource_type/ART
dc.type.coarversionhttp://purl.org/coar/version/c_71e4c1898caa6e32
dc.contributor.scopusCorrea Nuñez, Juan Carlos [57190250874]
dc.contributor.scopusDakduk, Silvana [36187758500]
dc.contributor.scopusvan der Woude, David [57204114134]
dc.contributor.scopusSandoval Escobar, Marithza [35621650400]
dc.contributor.scopusLopez Llamas, Rafael [57705425700]
dc.description.orcidhttps://orcid.org/0000-0002-0301-5641
dc.description.orcidhttps://orcid.org/0000-0003-4700-5354
dc.description.orcidhttps://orcid.org/0000-0003-1682-9481
dc.description.orcidhttps://orcid.org/0000-0003-1938-0675
dc.description.orcidhttps://orcid.org/0000-0002-5819-8270
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=57190250874
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=36187758500
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=57204114134
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=35621650400
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=57705425700
dc.identifier.eissn2331-1975
dc.relation.ispartofjournalCogent Business & Management
dc.identifier.doihttps://doi.org/10.1080/23311975.2022.2071099
dc.subject.proposalAutomation
dc.subject.proposalBanking services
dc.subject.proposalFinancial inclusion
dc.subject.proposalLow-income consumers
dc.subject.proposalTechnology disposition
dc.rights.coarhttp://purl.org/coar/access_right/c_abf2


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