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

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

Producción científica: Capítulo del libro/informe/acta de congreso › Contribución a la conferencia › revisión exhaustiva

Resumen

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.

Título traducido de la contribución	Impact of mobile money adoption on financial inclusion for citizens of Metropolitan Lima
Idioma original	Español
Título de la publicación alojada	Proceedings of the 5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose
Subtítulo de la publicación alojada	Social and Technological Innovation in the Age of AI, LEIRD 2025
Editores	Maria M. Larrondo Petrie, Jose Texier, Rodolfo Andr�s Rivas Matta
Editorial	Latin American and Caribbean Consortium of Engineering Institutions
ISBN (versión digital)	9786289661323
DOI	https://doi.org/10.18687/LEIRD2025.1.1.242
Estado	Publicada - 2025
Evento	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 Duración: 1 dic. 2025 → 3 dic. 2025

Serie de la publicación

Nombre	Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology
ISSN (versión digital)	2414-6390

Conferencia

Conferencia	5th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development - Entrepreneurship with Purpose: Social and Technological Innovation in the Age of AI, LEIRD 2025
País/Territorio	Colombia
Ciudad	Virtual
Período	1/12/25 → 3/12/25

ODS de las Naciones Unidas

Este resultado contribuye a los siguientes Objetivos de Desarrollo Sostenible

ODS 8: Trabajo decente y crecimiento económico

Palabras clave

Mobile wallet
digital financial services
financial inclusion
mobile money

Acceder al documento

10.18687/LEIRD2025.1.1.242

Otros archivos y enlaces

Enlace a la publicación en Scopus

Citar esto

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. En 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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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.",

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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. En 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).

Producción científica: Capítulo del libro/informe/acta de congreso › Contribución a la conferencia › revisión exhaustiva

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. En Larrondo Petrie MM, Texier J, Rivas Matta RA, editores, 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

Resumen

Serie de la publicación

Conferencia

ODS de las Naciones Unidas

Palabras clave

Acceder al documento

Otros archivos y enlaces

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