Acceptance of online financial services by consumers of the metropolitan area of Monterrey

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 pro...

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Autores Principales: Araiza Vázquez, María de Jesús, Pedraza Sánchez, Erika Yadira
Formato: Artículo (Article)
Lenguaje:Español (Spanish)
Publicado: Facultad de Contaduría Pública 2019
Acceso en línea:https://revistas.uexternado.edu.co/index.php/contad/article/view/5980
id ojs-article-5980
recordtype ojs
spelling ojs-article-59802021-10-06T18:35:53Z Acceptance of online financial services by consumers of the metropolitan area of Monterrey Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey Araiza Vázquez, María de Jesús Pedraza Sánchez, Erika Yadira Technology acceptance model; adoption; online financial services; data protection; security modelo de aceptación de tecnología; aceptación; servicios financieros en línea; protección de datos; seguridad 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. 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. Facultad de Contaduría Pública 2019-05-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf text/html application/xml https://revistas.uexternado.edu.co/index.php/contad/article/view/5980 Apuntes Contables; No. 24 (2019): July-December; 11-38 Apuntes Contables; Núm. 24 (2019): Julio-Diciembre; 11-38 2619-4899 1657-7175 spa https://revistas.uexternado.edu.co/index.php/contad/article/view/5980/7703 https://revistas.uexternado.edu.co/index.php/contad/article/view/5980/7812 https://revistas.uexternado.edu.co/index.php/contad/article/view/5980/7823 Derechos de autor 2019 María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez
institution Universidad Externado de Colombia
collection OJS
language Español (Spanish)
format Artículo (Article)
author Araiza Vázquez, María de Jesús
Pedraza Sánchez, Erika Yadira
spellingShingle Araiza Vázquez, María de Jesús
Pedraza Sánchez, Erika Yadira
Acceptance of online financial services by consumers of the metropolitan area of Monterrey
author_facet Araiza Vázquez, María de Jesús
Pedraza Sánchez, Erika Yadira
author_sort Araiza Vázquez, María de Jesús
title Acceptance of online financial services by consumers of the metropolitan area of Monterrey
title_short Acceptance of online financial services by consumers of the metropolitan area of Monterrey
title_full Acceptance of online financial services by consumers of the metropolitan area of Monterrey
title_fullStr Acceptance of online financial services by consumers of the metropolitan area of Monterrey
title_full_unstemmed Acceptance of online financial services by consumers of the metropolitan area of Monterrey
title_sort acceptance of online financial services by consumers of the metropolitan area of monterrey
description 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.
publisher Facultad de Contaduría Pública
publishDate 2019
url https://revistas.uexternado.edu.co/index.php/contad/article/view/5980
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score 12,131701