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Determinants of acceptance of mobile banking use by livestock farmers
Determinantes de la aceptación del uso de la banca móvil por parte de ganaderos
DOI:
https://doi.org/10.15446/dyna.v93n241.121522Palabras clave:
mobile banking, financial inclusion, technology adoption, UTAUT, rural areas (en)banca móvil, inclusión financiera, adopción tecnológica, UTAUT, áreas rurales (es)
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Mobile banking has emerged as a key tool for financial inclusion, particularly in rural areas where geographical and infrastructural barriers hinder access to traditional banking services. This study analyzes the determinants of mobile banking acceptance among cattle farmers in western Antioquia, Colombia, using the unified theory of acceptance and use of technology (UTAUT) model. A quantitative methodology was applied through structured surveys conducted with 132 rural producers to evaluate variables such as performance expectancy, effort expectancy, social influence, risk, and trust. The results indicate that performance expectancy and effort expectancy are the main factors influencing mobile banking adoption, while trust, risk, and social influence do not show significant impacts. These findings highlight the need to develop strategies that promote access to user-friendly digital platforms and training focused on the effective use of these tools.
La banca móvil se ha consolidado como una herramienta clave para la inclusión financiera, particularmente en zonas rurales donde las barreras geográficas y de infraestructura limitan el acceso a servicios bancarios tradicionales. Este estudio analiza los determinantes de la aceptación de la banca móvil en ganaderos del occidente de Antioquia, Colombia, utilizando el modelo UTAUT. Se aplicó una metodología cuantitativa basada en encuestas estructuradas a 132 productores rurales, evaluando variables como la expectativa de rendimiento, la expectativa de esfuerzo, la influencia social, el riesgo y la confianza. Los resultados revelan que la expectativa de rendimiento y la facilidad de uso son los principales factores que influyen en la adopción de la banca móvil, mientras que la confianza, el riesgo y la influencia social no mostraron un impacto significativo. Estos hallazgos destacan la necesidad de desarrollar estrategias que promuevan el acceso a plataformas digitales intuitivas y capacitaciones enfocadas en el uso de estas herramientas.
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