Impact of mobile payment methods on the student population at the Faculty of Business Sciences of UTMACH
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Abstract
Technologies have advanced at a dizzying pace, forcing all sectors of society to adapt to the changes brought about by technology. The financial sector is no exception; it is undoubtedly one of the sectors that has implemented the most changes in recent decades, aiming to achieve more reliable and secure banking systems. The use of mobile applications for making payments is one of the most widely used payment methodologies today, as they offer, among other benefits, convenience and security. The objective of this research is to describe the factors that determine the use of mobile payment applications among the student population at the Faculty of Business Sciences of the UTMACH. Using a research methodology with a quantitative approach and a non-experimental design, descriptive and correlational in scope, it is also a documentary research since secondary data sources such as scientific journals, academic publications, books, among others, were examined. An instrument consisting of 20 questions was developed, divided into two sections. The first seeks to understand students' attitudes and perceptions regarding the use of the mobile payment application, and the second section seeks to address any relationships that may or may not exist between income and spending on wallets. This instrument was applied to a sample of 352 students. Among the main findings was the determination of a correlation between socioeconomic variables (income and spending on virtual wallets), as well as the strong acceptance of the application among the study population.
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Niurka Vanessa Chavez-Parra, Universidad Técnica de Machala - Ecuador
https://orcid.org/0009-0008-0058-4671
Student at the Faculty of Business Administration, completing her final year degree in Business Administration, with one year of experience in Human Resources.
Peter Alexander Chimarro-González, Universidad Técnica de Machala - Ecuador
https://orcid.org/0009-0003-3090-7869
Student at the Faculty of Business Administration, completing his final year degree in Business Administration. He has extensive experience managing specialty areas in the field of Clinical Hospitalization.
Norman Vinicio Mora-Sanchez, Universidad Técnica de Machala - Ecuador
https://orcid.org/0000-0002-2814-2751
PhD in Business Administration (UNMSM),
Master of Business Administration (UTMACH),
Commercial Engineer in Business Administration (UTMACH),
Bachelor of Business Administration
Chief Financial Administrative Officer of the Municipal Health Directorate GAD Machala (2001-2009)
Manager in Charge of EMSA GAD Machala (2009)
Former Coordinator of the UTMACH-MIPRO agreement (2014-2016),
Former University Extension Coordinator (2008-2010),
Professor at UTMACH since 1998
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