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The adoption of fast payment systems (FPS) in Latin America: the role of financial literacy and cash-related beliefs

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dc.contributor.authorGiraldo, Carlos
dc.contributor.authorPeña-García, Nathalie
dc.contributor.authorLosada-Otálora, Mauricio
dc.contributor.orcidGiraldo, Carlos [0000-0001-8050-0512]
dc.contributor.orcidPeña-García, Nathalie [0000-0002-6594-5940]
dc.contributor.orcidLosada-Otálora, Mauricio [0000-0002-1791-9086]
dc.contributor.scopusGiraldo, Carlos [57197799702]
dc.contributor.scopusGiraldo-Salazar, Iader [57209661332]
dc.contributor.scopusPeña-García, Nathalie [35151232400]
dc.contributor.scopusLosada-Otálora, Mauricio [55695829400]
dc.date.accessioned2026-01-07T20:22:12Z
dc.date.issued2025-02-13
dc.description.abstractEn este artículo, nos preguntamos: ¿cómo afectan los factores individuales las intenciones de las personas de adoptar sistemas de pago rápido (SPA)? Examinamos el papel de la alfabetización financiera y las creencias sobre el efectivo como variables individuales que complementan el modelo de aceptación de la tecnología (MAT) para explicar la intención de las personas de adoptar innovaciones financieras. Diseño/metodología/enfoque: Encuestamos a consumidores en 11 países latinoamericanos para medir las variables relevantes. Mediante la aplicación de modelos de ecuaciones estructurales, ampliamos el MAT. Demostramos que la alfabetización financiera y las creencias sobre el efectivo contribuyen a desarrollar una comprensión más detallada de lo que estimula la adopción de innovaciones financieras como los SPA.spa
dc.description.abstractenglishIn this paper, we ask: how do individual factors affect individuals’ intentions of adopting fast payment systems (FPS)? We examine the role of financial literacy and beliefs about cash as individual-related variables that complement the technology acceptance model (TAM) in explaining the individuals’ intention to adopt financial innovations.Design/methodology/approachWe surveyed consumers in 11 Latin American countries to measure relevant variables. By applying structural equation modeling, we extended the TAM. We demonstrated that financial literacy and beliefs about cash contribute to developing a fine-grained understanding of what stimulates individuals’ adoption of financial innovations like FPS.FindingsOur results support the claim that individuals with higher levels of financial literacy exhibit a higher intention to adopt FPS through the mediation role of beliefs about cash, perceived usefulness, perceived ease of use and attitude.eng
dc.description.orcidhttps://orcid.org/0000-0001-8050-0512
dc.description.orcid|https://orcid.org/0000-0002-6594-5940
dc.description.orcidhttps://orcid.org/0000-0002-1791-9086
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=57197799702
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=57209661332
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=35151232400
dc.description.scopushttps://www.scopus.com/authid/detail.uri?authorId=55695829400
dc.identifier.doihttps://doi-org.cvirtual.cesa.edu.co/10.1108/IJBM-04-2024-0224
dc.identifier.issn0265-2323
dc.identifier.urihttp://hdl.handle.net/10726/6107
dc.language.isoeng
dc.publisherEmerald Insight
dc.relation.citationendpage643
dc.relation.citationissue3
dc.relation.citationstartpage615
dc.relation.citationvolume43
dc.relation.ispartofjournalInternational Journal of Bank Marketing
dc.rights.accessrightsinfo:eu-repo/semantics/openAccess
dc.rights.localAbierto (Texto Completo)
dc.subjectCat-MARK
dc.subjectMarketing
dc.subjectMarketing strategy/methods
dc.subjectFast payment system (FPS)
dc.subjectTAM
dc.subjectFinancial literacy
dc.subjectBeliefs about cash
dc.titleThe adoption of fast payment systems (FPS) in Latin America: the role of financial literacy and cash-related beliefseng
dc.type.coarhttp://purl.org/coar/resource_type/c_2df8fbb1
dc.type.driverinfo:eu-repo/semantics/article
dc.type.redcolhttp://purl.org/redcol/resource_type/ART

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