Comparativa del modelo de uso de billeteras digitales entre la generación X y millennials de la zona urbana de la ciudad de Cuenca basado en la teoría de riesgo percibido

Abstract

This investigation try to spot the factors that affect the use of transfers through digital wallets in generation X and millennials, establishing the variables of possible influence based on the theory of perceived risk and the theory of technological acceptance, also considering variables demographics and payment behavior. For this study, second hand information sources were reviewed and semi-structured interviews were conducted, to apply a survey to 359 people between 27-57 years old, using a stratified random sampling with proportional allocation. A descriptive and two-dimensional analysis was carried out on the collected data, as well as chisquare tests, means tests and dispersion analysis. Finally, logistic regression models were run. As part of the results, it can be mentioned that being a millennial and paying with a credit or debit card increases the willingness to make digital transfers. For generation X, it was found that the higher the level of education and income, the probability of use increases. The perception of utility also increases the willingness to make digital transfers, but the risk and ease of use are not significant.