Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey

Este estudio identifica los posibles factores que pueden motivar u obstaculizar la aceptación de servicios financieros en línea. Los resultados apuntalan que el tam2 es un modelo válido para predecir el propósito de los consumidores objeto de estudio para explicar la diferencia entre adoptantes y no...

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Autores:
Araiza Vázquez, María de Jesús
Pedraza Sánchez, Erika Yadira
Tipo de recurso:
Article of journal
Fecha de publicación:
2019
Institución:
Universidad Externado de Colombia
Repositorio:
Biblioteca Digital Universidad Externado de Colombia
Idioma:
spa
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oai:bdigital.uexternado.edu.co:001/6404
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https://bdigital.uexternado.edu.co/handle/001/6404
https://doi.org/10.18601/16577175.n24.02
Palabra clave:
Technology acceptance model;
adoption;
online financial services;
data protection;
security
modelo de aceptación de tecnología;
aceptación;
servicios financieros en línea;
protección de datos;
seguridad
Rights
openAccess
License
María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019
id uexternad2_193df8dab13e58a44e13273330331422
oai_identifier_str oai:bdigital.uexternado.edu.co:001/6404
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network_name_str Biblioteca Digital Universidad Externado de Colombia
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dc.title.spa.fl_str_mv Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
dc.title.translated.eng.fl_str_mv Acceptance of online financial services by consumers of the metropolitan area of Monterrey
title Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
spellingShingle Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
Technology acceptance model;
adoption;
online financial services;
data protection;
security
modelo de aceptación de tecnología;
aceptación;
servicios financieros en línea;
protección de datos;
seguridad
title_short Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_full Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_fullStr Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_full_unstemmed Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_sort Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
dc.creator.fl_str_mv Araiza Vázquez, María de Jesús
Pedraza Sánchez, Erika Yadira
dc.contributor.author.spa.fl_str_mv Araiza Vázquez, María de Jesús
Pedraza Sánchez, Erika Yadira
dc.subject.eng.fl_str_mv Technology acceptance model;
adoption;
online financial services;
data protection;
security
topic Technology acceptance model;
adoption;
online financial services;
data protection;
security
modelo de aceptación de tecnología;
aceptación;
servicios financieros en línea;
protección de datos;
seguridad
dc.subject.spa.fl_str_mv modelo de aceptación de tecnología;
aceptación;
servicios financieros en línea;
protección de datos;
seguridad
description Este estudio identifica los posibles factores que pueden motivar u obstaculizar la aceptación de servicios financieros en línea. Los resultados apuntalan que el tam2 es un modelo válido para predecir el propósito de los consumidores objeto de estudio para explicar la diferencia entre adoptantes y no adoptantes. Los indicadores como la protección de la privacidad percibida, la seguridad percibida y la capacidad de innovación del consumidor demuestran tener una relación positiva significativa con estos y predecir significativamente quién es más probable que los adopte. Los hallazgos pueden ayudar a las instituciones financieras a expresar las estrategias de comercialización adecuadas, diseñar sistemas en línea efectivos y acelerar la difusión y uso de estos.
publishDate 2019
dc.date.accessioned.none.fl_str_mv 2019-05-30 00:00:00
2022-08-23T16:22:48Z
dc.date.available.none.fl_str_mv 2019-05-30 00:00:00
2022-08-23T16:22:48Z
dc.date.issued.none.fl_str_mv 2019-05-30
dc.type.spa.fl_str_mv Artículo de revista
dc.type.coar.spa.fl_str_mv http://purl.org/coar/resource_type/c_6501
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dc.type.local.eng.fl_str_mv Journal article
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https://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7823
dc.relation.citationedition.spa.fl_str_mv Núm. 24 , Año 2019 : Julio-Diciembre
dc.relation.citationendpage.none.fl_str_mv 38
dc.relation.citationissue.spa.fl_str_mv 24
dc.relation.citationstartpage.none.fl_str_mv 11
dc.relation.ispartofjournal.spa.fl_str_mv Apuntes Contables
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Beltrán Reyes, N. H., Solís, D., Vladimir, A. y Joseemar, F. (2015). Planificación de auditoría basada en riesgos para empresas que se dedican al comercio electrónico (Tesis doctoral), Universidad de El Salvador.
Berry, J. W., Berry, J. W., Poortinga, Y. H., Segall, M. H. y Dasen, P. R. (2002). Cross-cultural psychology: Research and applications. Cambridge University Press.
Bhatnagar, A., Misra, S. M. y Rao, R. H. (2000). On risk, convenience, and Internet shopping behavior. Communications of the ACM, 43(11), 98-105.
Blake, B. F., Neuendorf, K. A. y Valdiserri, C. M. (2003) Innovativeness and variety of Internet shopping. Internet Research Electronic Networking Applications and Policy, 13(3), 156-169.
Brown, T. J. y Dacin, P. A. (1997). The company and the product: Corporate associations and consumer product responses. Journal of Marketing, 61, 68-84.
Casalo, L. V., Flavián, C. y Guinaliu, M. (2007). The role of security, privacy, usability and reputation in the development of online banking. Online Information Review, 31(5), 583-603.
Chen, L. y Liu, H. W. (2015). A review of privacy protection in e-commerce. Journal of Advanced Management Science, 3(1).
Chen, Z. y Dubinsky, A. J. (2003). A conceptual model of perceived customer value in ecommerce: A preliminary investigation. Psychology and Marketing, 20(4), 323-347.
Childers, T. L., Christopher, L., Carr, J. P. y Carson, S. (2001). Hedonic and utilitarian motivations for online retail shopping behavior. Journal of Retailing, 77, 511-535.
Chiu, Y. B., Lin, C. P. y Tang, L. L. (2005) Gender differs: Assessing a model of online purchase intentions in e-tail service. International Journal of Service Industry Management, 16(5), 416-435.
Citrin, A. V., Sprott, D. E., Silverman, S. N. y Stem, D. E., Jr. (2000). Adoption of Internet hopping: The role of consumer innovativeness. Industrial Management and Data Systems, 100(7), 294-300.
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Davis, F. D., Bagozzi, R. P. y Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
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dc.rights.spa.fl_str_mv María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019
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spelling Araiza Vázquez, María de Jesúsb7815260-71f7-4165-930b-8666a511ce82Pedraza Sánchez, Erika Yadira572bfbf8-2dbd-4a9a-99d0-979c46bf677b2019-05-30 00:00:002022-08-23T16:22:48Z2019-05-30 00:00:002022-08-23T16:22:48Z2019-05-30Este estudio identifica los posibles factores que pueden motivar u obstaculizar la aceptación de servicios financieros en línea. Los resultados apuntalan que el tam2 es un modelo válido para predecir el propósito de los consumidores objeto de estudio para explicar la diferencia entre adoptantes y no adoptantes. Los indicadores como la protección de la privacidad percibida, la seguridad percibida y la capacidad de innovación del consumidor demuestran tener una relación positiva significativa con estos y predecir significativamente quién es más probable que los adopte. Los hallazgos pueden ayudar a las instituciones financieras a expresar las estrategias de comercialización adecuadas, diseñar sistemas en línea efectivos y acelerar la difusión y uso de estos.This study identifies possible factors that may motivate or hinder the adoption of online financial services. The results support that the tam2 is a valid model to predict the purpose of the consumers under study to explain the difference between adopters and non-adopters. Indicators such as the protection of perceived privacy, perceived safety and consumer innovation capacity demonstrate a significant positive relationship with them and significantly predict who is more likely to adopt them. The findings can help financial institutions express appropriate marketing strategies, design effective online systems and accelerate the dissemination and use of these.application/pdftext/htmlapplication/xml10.18601/16577175.n24.022619-48991657-7175https://bdigital.uexternado.edu.co/handle/001/6404https://doi.org/10.18601/16577175.n24.02spaFacultad de Contaduría Públicahttps://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7703https://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7812https://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7823Núm. 24 , Año 2019 : Julio-Diciembre382411Apuntes ContablesAjzen, I. (1988) Attitudes, personality and behavior. Chicago, IL: Dorsey.Alalwan, A. A., Dwivedi, Y. K. y Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending utaut2 with trust. International Journal of Information Management, 37(3), 99-110.Baños, M. A. M. y Quintero, W. (2017). Determinantes del uso de la banca electrónica en Colombia. Revista Finnova: Investigación e Innovación Financiera y Organizacional, 2(3), 15-26.Beltrán Reyes, N. H., Solís, D., Vladimir, A. y Joseemar, F. (2015). Planificación de auditoría basada en riesgos para empresas que se dedican al comercio electrónico (Tesis doctoral), Universidad de El Salvador.Berry, J. W., Berry, J. W., Poortinga, Y. H., Segall, M. H. y Dasen, P. R. (2002). Cross-cultural psychology: Research and applications. Cambridge University Press.Bhatnagar, A., Misra, S. M. y Rao, R. H. (2000). On risk, convenience, and Internet shopping behavior. Communications of the ACM, 43(11), 98-105.Blake, B. F., Neuendorf, K. A. y Valdiserri, C. M. (2003) Innovativeness and variety of Internet shopping. Internet Research Electronic Networking Applications and Policy, 13(3), 156-169.Brown, T. J. y Dacin, P. A. (1997). The company and the product: Corporate associations and consumer product responses. Journal of Marketing, 61, 68-84.Casalo, L. V., Flavián, C. y Guinaliu, M. (2007). The role of security, privacy, usability and reputation in the development of online banking. Online Information Review, 31(5), 583-603.Chen, L. y Liu, H. W. (2015). A review of privacy protection in e-commerce. Journal of Advanced Management Science, 3(1).Chen, Z. y Dubinsky, A. J. (2003). A conceptual model of perceived customer value in ecommerce: A preliminary investigation. Psychology and Marketing, 20(4), 323-347.Childers, T. L., Christopher, L., Carr, J. P. y Carson, S. (2001). Hedonic and utilitarian motivations for online retail shopping behavior. Journal of Retailing, 77, 511-535.Chiu, Y. B., Lin, C. P. y Tang, L. L. (2005) Gender differs: Assessing a model of online purchase intentions in e-tail service. International Journal of Service Industry Management, 16(5), 416-435.Citrin, A. V., Sprott, D. E., Silverman, S. N. y Stem, D. E., Jr. (2000). Adoption of Internet hopping: The role of consumer innovativeness. Industrial Management and Data Systems, 100(7), 294-300.Craig, C. S. y Douglas, S. P. (2005). International marketing research. John Wiley and Sons Chichester, England.Davis, F. D. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarterly, 319-340.Davis, F. D. y Venkatesh, V. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision Sciences, 27(3), 451-481.Davis, F. D. y Venkatesh, V. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.Davis, F. D., Bagozzi, R. P. y Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.Demangeot, C. y Broderick, A. J. (2006). Exploring the experiential intensity of online shopping environments. 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Psychology and Marketing, 20(12), 1095-1118.María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2https://creativecommons.org/licenses/by-nc-sa/4.0/https://revistas.uexternado.edu.co/index.php/contad/article/view/5980Technology acceptance model;adoption;online financial services;data protection;securitymodelo de aceptación de tecnología;aceptación;servicios financieros en línea;protección de datos;seguridadAceptación de servicios financieros en línea por los consumidores del área metropolitana de MonterreyAcceptance of online financial services by consumers of the metropolitan area of MonterreyArtículo de revistahttp://purl.org/coar/resource_type/c_6501http://purl.org/coar/resource_type/c_2df8fbb1http://purl.org/coar/version/c_970fb48d4fbd8a85Textinfo:eu-repo/semantics/articleJournal articlehttp://purl.org/redcol/resource_type/ARTinfo:eu-repo/semantics/publishedVersionPublicationOREORE.xmltext/xml2664https://bdigital.uexternado.edu.co/bitstreams/25e2471f-19c4-4cb4-aac5-82c0993e2518/downloadb4f0ab6bc8020fdfec5546280c14ef6eMD51001/6404oai:bdigital.uexternado.edu.co:001/64042023-08-14 15:17:31.128https://creativecommons.org/licenses/by-nc-sa/4.0/María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019https://bdigital.uexternado.edu.coUniversidad Externado de Colombiametabiblioteca@metabiblioteca.org

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