Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana

Shirley Alexia Pinedo Guzmán; Linda Ariana Aldazabal Marticorena; Ralphi Ricardo Jauregui Arroyo; Carlos Alberto Azabache Moran; Felipe Eduardo Yong Chung; Julio Ricardo Moscoso Cuaresma

doi:10.18687/LEIRD2025.1.1.242

Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana

Translated title of the contribution: Impact of mobile money adoption on financial inclusion for citizens of Metropolitan Lima

Shirley Alexia Pinedo Guzmán
, Linda Ariana Aldazabal Marticorena
, Ralphi Ricardo Jauregui Arroyo
, Carlos Alberto Azabache Moran
, Felipe Eduardo Yong Chung
, Julio Ricardo Moscoso Cuaresma

Universidad Peruana de Ciencias Aplicadas

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

Abstract

This study analyzes the influence of mobile money usage on financial inclusion among citizens of Metropolitan Lima in 2024. A quantitative methodology was employed, featuring an explanatory and cross-sectional design, with surveys conducted on 250 randomly selected residents. Statistical techniques such as exploratory and confirmatory factor analysis, along with partial least squares structural equation modeling (PLS-SEM), were applied to assess the relationship between mobile money and financial inclusion. The findings reveal that mobile money has a positive and significant impact on financial inclusion, accounting for 61.7% of its variability. Therefore, it is concluded that this technology serves as a strategic tool for overcoming traditional barriers and facilitating access to financial services in urban populations.

Translated title of the contribution	Impact of mobile money adoption on financial inclusion for citizens of Metropolitan Lima
Original language	Spanish
Title of host publication	Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose
Subtitle of host publication	Social and Technological Innovation in the Age of AI, LEIRD 2025
Editors	Maria M. Larrondo Petrie, Jose Texier, Rodolfo Andr�s Rivas Matta
Publisher	Latin American and Caribbean Consortium of Engineering Institutions
ISBN (Electronic)	9786289661323
DOIs	https://doi.org/10.18687/LEIRD2025.1.1.242
State	Published - 2025
Event	5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025 - Virtual, Colombia Duration: 1 Dec 2025 → 3 Dec 2025

Publication series

Name	Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology
ISSN (Electronic)	2414-6390

Conference

Conference	5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025
Country/Territory	Colombia
City	Virtual
Period	1/12/25 → 3/12/25

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

SDG 8 Decent Work and Economic Growth

Access to Document

10.18687/LEIRD2025.1.1.242

Cite this

Pinedo Guzmán, S. A., Aldazabal Marticorena, L. A., Jauregui Arroyo, R. R., Azabache Moran, C. A., Yong Chung, F. E., & Moscoso Cuaresma, J. R. (2025). Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana. In M. M. Larrondo Petrie, J. Texier, & R. A. Rivas Matta (Eds.), Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025 (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology). Latin American and Caribbean Consortium of Engineering Institutions. https://doi.org/10.18687/LEIRD2025.1.1.242

Pinedo Guzmán, Shirley Alexia ; Aldazabal Marticorena, Linda Ariana ; Jauregui Arroyo, Ralphi Ricardo et al. / Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana. Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. editor / Maria M. Larrondo Petrie ; Jose Texier ; Rodolfo Andr�s Rivas Matta. Latin American and Caribbean Consortium of Engineering Institutions, 2025. (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology).

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title = "Impacto de la adopci{\'o}n del dinero m{\'o}vil en la inclusi{\'o}n financiera de los ciudadanos de Lima Metropolitana",

abstract = "This study analyzes the influence of mobile money usage on financial inclusion among citizens of Metropolitan Lima in 2024. A quantitative methodology was employed, featuring an explanatory and cross-sectional design, with surveys conducted on 250 randomly selected residents. Statistical techniques such as exploratory and confirmatory factor analysis, along with partial least squares structural equation modeling (PLS-SEM), were applied to assess the relationship between mobile money and financial inclusion. The findings reveal that mobile money has a positive and significant impact on financial inclusion, accounting for 61.7\% of its variability. Therefore, it is concluded that this technology serves as a strategic tool for overcoming traditional barriers and facilitating access to financial services in urban populations.",

keywords = "Mobile wallet, digital financial services, financial inclusion, mobile money",

author = "\{Pinedo Guzm{\'a}n\}, \{Shirley Alexia\} and \{Aldazabal Marticorena\}, \{Linda Ariana\} and \{Jauregui Arroyo\}, \{Ralphi Ricardo\} and \{Azabache Moran\}, \{Carlos Alberto\} and \{Yong Chung\}, \{Felipe Eduardo\} and \{Moscoso Cuaresma\}, \{Julio Ricardo\}",

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year = "2025",

doi = "10.18687/LEIRD2025.1.1.242",

language = "Espa{\~n}ol",

series = "Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology",

publisher = "Latin American and Caribbean Consortium of Engineering Institutions",

editor = "\{Larrondo Petrie\}, \{Maria M.\} and Jose Texier and \{Rivas Matta\}, \{Rodolfo Andr�s\}",

booktitle = "Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose",

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Pinedo Guzmán, SA, Aldazabal Marticorena, LA, Jauregui Arroyo, RR, Azabache Moran, CA , Yong Chung, FE & Moscoso Cuaresma, JR 2025, Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana. in MM Larrondo Petrie, J Texier & RA Rivas Matta (eds), Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology, Latin American and Caribbean Consortium of Engineering Institutions, 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025, Virtual, Colombia, 1/12/25. https://doi.org/10.18687/LEIRD2025.1.1.242

Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana. / Pinedo Guzmán, Shirley Alexia; Aldazabal Marticorena, Linda Ariana; Jauregui Arroyo, Ralphi Ricardo et al.
Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. ed. / Maria M. Larrondo Petrie; Jose Texier; Rodolfo Andr�s Rivas Matta. Latin American and Caribbean Consortium of Engineering Institutions, 2025. (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology).

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

TY - GEN

T1 - Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana

AU - Pinedo Guzmán, Shirley Alexia

AU - Aldazabal Marticorena, Linda Ariana

AU - Jauregui Arroyo, Ralphi Ricardo

AU - Azabache Moran, Carlos Alberto

AU - Yong Chung, Felipe Eduardo

AU - Moscoso Cuaresma, Julio Ricardo

PY - 2025

Y1 - 2025

N2 - This study analyzes the influence of mobile money usage on financial inclusion among citizens of Metropolitan Lima in 2024. A quantitative methodology was employed, featuring an explanatory and cross-sectional design, with surveys conducted on 250 randomly selected residents. Statistical techniques such as exploratory and confirmatory factor analysis, along with partial least squares structural equation modeling (PLS-SEM), were applied to assess the relationship between mobile money and financial inclusion. The findings reveal that mobile money has a positive and significant impact on financial inclusion, accounting for 61.7% of its variability. Therefore, it is concluded that this technology serves as a strategic tool for overcoming traditional barriers and facilitating access to financial services in urban populations.

AB - This study analyzes the influence of mobile money usage on financial inclusion among citizens of Metropolitan Lima in 2024. A quantitative methodology was employed, featuring an explanatory and cross-sectional design, with surveys conducted on 250 randomly selected residents. Statistical techniques such as exploratory and confirmatory factor analysis, along with partial least squares structural equation modeling (PLS-SEM), were applied to assess the relationship between mobile money and financial inclusion. The findings reveal that mobile money has a positive and significant impact on financial inclusion, accounting for 61.7% of its variability. Therefore, it is concluded that this technology serves as a strategic tool for overcoming traditional barriers and facilitating access to financial services in urban populations.

KW - Mobile wallet

KW - digital financial services

KW - financial inclusion

KW - mobile money

UR - https://www.scopus.com/pages/publications/105032398540

U2 - 10.18687/LEIRD2025.1.1.242

DO - 10.18687/LEIRD2025.1.1.242

M3 - Contribución a la conferencia

AN - SCOPUS:105032398540

T3 - Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology

BT - Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose

A2 - Larrondo Petrie, Maria M.

A2 - Texier, Jose

A2 - Rivas Matta, Rodolfo Andr�s

PB - Latin American and Caribbean Consortium of Engineering Institutions

T2 - 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025

Y2 - 1 December 2025 through 3 December 2025

ER -

Pinedo Guzmán SA, Aldazabal Marticorena LA, Jauregui Arroyo RR, Azabache Moran CA , Yong Chung FE, Moscoso Cuaresma JR. Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana. In Larrondo Petrie MM, Texier J, Rivas Matta RA, editors, Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025. Latin American and Caribbean Consortium of Engineering Institutions. 2025. (Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology). doi: 10.18687/LEIRD2025.1.1.242

Impacto de la adopción del dinero móvil en la inclusión financiera de los ciudadanos de Lima Metropolitana

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