Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service

Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service

The objective of this study is to analyze the incidence of both sociocultural and demographic factors, which are involved in the decision-making process of individuals when adopting innovative financial services. To achieve the objective, the Theory of Planned Action and the Theory of Diffusion of Innovations are used as a basis. A questionnaire was applied as a measurement instrument in a population of 321 people with ages between 18 and over 60 years. The analysis of the collected data determines that factors such as the perception of utility are the ones that most directly influence people's decision-making to adopt innovative financial services, so it is necessary to emphasize the benefits of financial services to increase its level of adoption and thereby contribute to the development of the countries' financial systems.

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Main Author: Acuña Muñoz, Óscar Andrés
Format: info:eu-repo/semantics/article biblioteca
Language:spa
Published: Instituto Tecnológico de Costa Rica 2021-06-11T01:33:45Z
Online Access:https://revistas.tec.ac.cr/index.php/trama/article/view/5570
http://hdl.handle.net/2238/13149
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spelling dig-tec-cr-2238-131492021-06-11T01:33:45Z Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service Factores socioculturales y demográficos que inciden en la adopción de un servicio financiero innovador Fatores sócio-culturais e demográficos que afetam a adoção de um serviço financeiro inovador. Acuña Muñoz, Óscar Andrés The objective of this study is to analyze the incidence of both sociocultural and demographic factors, which are involved in the decision-making process of individuals when adopting innovative financial services. To achieve the objective, the Theory of Planned Action and the Theory of Diffusion of Innovations are used as a basis. A questionnaire was applied as a measurement instrument in a population of 321 people with ages between 18 and over 60 years. The analysis of the collected data determines that factors such as the perception of utility are the ones that most directly influence people's decision-making to adopt innovative financial services, so it is necessary to emphasize the benefits of financial services to increase its level of adoption and thereby contribute to the development of the countries' financial systems. El objetivo de este estudio es analizar la incidencia de factores tanto socioculturales como demográficos, que se involucran en la toma de decisión de los individuos al adoptar servicios financieros innovadores. Para lograr el objetivo se utiliza como base la Teoría de Acción Planificada y la Teoría de la Difusión de las Innovaciones. Se realiza la aplicación de un cuestionario como instrumento de medición en una población de 321 personas con edades entre los 18 a más 60 años. El análisis de los datos recolectados determina que la percepción de utilidad es el factor que más influye en la toma de decisiones de las personas por adoptar servicios financieros innovadores, por lo que se hace necesario enfatizar en los beneficios de los servicios financieros para incrementar su nivel de adopción y con esto contribuir al desarrollo de los sistemas financieros de los países. O objetivo deste estudo é analisar a incidência de fatores socioculturais e demográficos, que estão envolvidos na tomada de decisão dos indivíduos ao adotar serviços financeiros inovadores. Para alcançar o objetivo, a Teoria da Ação Planejada e a Teoria da Disseminação da Inovação são utilizadas como base. Um questionário é aplicado como instrumento de medição em uma população de 321 pessoas de 18 a 60 anos de idade. A análise dos dados coletados determina que a percepção da utilidade é o fator que mais influencia a tomada de decisão das pessoas para adotar serviços financeiros inovadores, portanto é necessário enfatizar os benefícios dos serviços financeiros para aumentar seu nível de adoção e assim contribuir para o desenvolvimento dos sistemas financeiros dos países. 2020-12-19 2021-06-11T01:33:45Z 2021-06-11T01:33:45Z info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion https://revistas.tec.ac.cr/index.php/trama/article/view/5570 10.18845/tramarcsh.v9i2.5570 http://hdl.handle.net/2238/13149 spa https://revistas.tec.ac.cr/index.php/trama/article/view/5570/5316 https://revistas.tec.ac.cr/index.php/trama/article/view/5570/5317 https://revistas.tec.ac.cr/index.php/trama/article/view/5570/5318 https://revistas.tec.ac.cr/index.php/trama/article/view/5570/5319 http://creativecommons.org/licenses/by-nc-nd/4.0 application/pdf application/epub+zip text/html text/xml Instituto Tecnológico de Costa Rica Trama, Revista de Ciencias Sociales y Humanidades.; Vol. 9 No. 2 (2020); 115-165 Trama, Revista de Ciencias Sociales y Humanidades.; Vol. 9 Núm. 2 (2020); 115-165 Trama, Revista de Ciencias Sociales y Humanidades.; v. 9 n. 2 (2020); 115-165 1659-343X 1659-343X
institution TEC CR
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country Costa Rica
countrycode CR
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databasecode dig-tec-cr
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libraryname Sistema de Bibliotecas del TEC Costa Rica
language spa
description The objective of this study is to analyze the incidence of both sociocultural and demographic factors, which are involved in the decision-making process of individuals when adopting innovative financial services. To achieve the objective, the Theory of Planned Action and the Theory of Diffusion of Innovations are used as a basis. A questionnaire was applied as a measurement instrument in a population of 321 people with ages between 18 and over 60 years. The analysis of the collected data determines that factors such as the perception of utility are the ones that most directly influence people's decision-making to adopt innovative financial services, so it is necessary to emphasize the benefits of financial services to increase its level of adoption and thereby contribute to the development of the countries' financial systems.
format info:eu-repo/semantics/article
author Acuña Muñoz, Óscar Andrés
spellingShingle Acuña Muñoz, Óscar Andrés
Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service
author_facet Acuña Muñoz, Óscar Andrés
author_sort Acuña Muñoz, Óscar Andrés
title Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service
title_short Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service
title_full Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service
title_fullStr Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service
title_full_unstemmed Sociocultural and Demographic Factors That Impact on the Adoption of an Innovative Financial Service
title_sort sociocultural and demographic factors that impact on the adoption of an innovative financial service
publisher Instituto Tecnológico de Costa Rica
publishDate 2021-06-11T01:33:45Z
url https://revistas.tec.ac.cr/index.php/trama/article/view/5570
http://hdl.handle.net/2238/13149
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AT acunamunozoscarandres factoressocioculturalesydemograficosqueincidenenlaadopciondeunserviciofinancieroinnovador
AT acunamunozoscarandres fatoressocioculturaisedemograficosqueafetamaadocaodeumservicofinanceiroinovador
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