Factores de intención de uso de billeteras digitales en el contexto global: Una Revisión Sistemática
DOI:
https://doi.org/10.33595/2226-1478.16.1.1261Palabras clave:
Adopción de billeteras digitales, análisis de factores, intención de uso, modelo de aceptación tecnológica, pago móvilResumen
Las billeteras digitales representan una herramienta nueva en la transformación digital del sistema financiero, facilitando operaciones pago y cobro en tiempo real. Este estudio tiene como objetivo identificar los factores determinantes que explican la intención de uso de las billeteras digitales en un contexto global. Para ello, se utilizó el método de revisión sistemática PRISMA, a través del cual se seleccionaron 83 estudios de las bases de datos Scopus, Redalyc y Scielo, tras un riguroso proceso de filtrado. Los criterios de inclusión abarcaron investigaciones cuantitativas publicadas entre 2020 y 2024, basadas en modelos tecnológicos validados. Los resultados descriptivos indican que la mayoría de los estudios sobre el uso de billeteras digitales se concentran en Asia y emplean predominantemente los modelos teóricos de Aceptación Tecnológica (TAM) y la Teoría Unificada de Aceptación y Uso de la Tecnología (UTAUT), junto con sus extensiones; además, los datos en este tipo de estudios se analizan principalmente mediante el modelado de Ecuaciones Estructurales por Mínimos Cuadrados Parciales (PLS-SEM). Y como resultado principal, se identificó que los factores más influyentes en la intención de uso de las billeteras digitales son la confianza percibida, la utilidad percibida, la facilidad de uso, la influencia social y la expectativa de rendimiento. Estos elementos son fundamentales y deben ser considerados para optimizar y expandir el uso de esta tecnología.
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