El impacto de la Ley Fintech a la Industria de la Tecnología Financiera y el reto de establecer un Gobierno Corporativo

Gonzalez, Edith Urdanivia; Reyes, Adriana Zambrano; Rodríguez, Tomás Gómez

doi:10.29057/icea.v8i16.5535

Cited by 3 publications

(1 citation statement)

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“…Regarding management, Fintech industry professionals can leverage these results to improve their business strategies, emphasizing perceived usefulness and social influence as key factors to promote the adoption of Fintech services while complying with relevant regulations to ensure user trust, security, and the need for regulations, such as Mexico's Fintech Law (Gonzalez et al 2020).…”

Section: Discussionmentioning

confidence: 99%

Adoption of Fintech Services in Young Students: Empirical Approach from a Developing Country

Bermeo-Giraldo,

Valencia-Arias,

Palacios-Moya

et al. 2023

Economies

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This work aimed to identify the main variables that determine the adoption of Fintech services in young students in the Colombian context through a model with five factors proposed to explain this behavior in 124 Colombian university students. The methodological design followed a quantitative approach and an exploratory–descriptive scope. For data processing, the statistical techniques exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were used to extract the relevant factors and evaluate the measurement model. To test the hypotheses about the relationships of the conceptual model constructs, Cramer’s V coefficient was used. The results showed that financial education and social influence have a positive effect on perceived benefit; in turn, low regulation is not strongly related to perceived benefit and is not dependent on social influence. However, digital literacy is affected by financial education and social influence. It is concluded that the number of mobile users in Colombia is increasing rapidly; however, the adoption of Fintech is slow. In addition, most of the university students in this study do not know what Fintech is, but they recognize that they use it frequently.

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Section: Discussionmentioning

confidence: 99%

Adoption of Fintech Services in Young Students: Empirical Approach from a Developing Country

Bermeo-Giraldo,

Valencia-Arias,

Palacios-Moya

et al. 2023

Economies

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El uso de las Fintech por la Generación Millenial en México

Mendoza

Turrent

Nieto

et al. 2021

Podium

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El sector Fintech en México ha cobrado gran relevancia, y muestra de ello ha sido su crecimiento del 14% durante 2019, con 441 empresas y la generación de 60,000 empleos. El objetivo de esta investigación es analizar la adopción de las Fintech por la generación Millenial en el Estado de San Luis Potosí, México. Se conformó una muestra seleccionada a conveniencia de 90 personas, cuyo rango de edad se encuentra entre los 20 y 50 años, y a la cual se le aplicó un instrumento de 30 preguntas relacionadas al conocimiento, uso y manejo de las Fintech. El trabajo es de carácter exploratorio y se adopta un enfoque cuantitativo-correlacional. Los resultados ponen de manifiesto que los Millenials adoptan en mayor medida estas tecnologías, siendo uno de los factores determinantes el costo asequible que ofrecen en comparación con la banca tradicional. Los encuestados manifestaron una preferencia para realizar sus transacciones financieras por medio de plataformas tecnológicas, en lugar de acudir a una sucursal.

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Fintech, the digital age of financial services

NAREZ-SÁNCHEZ

Berttolini-Díaz

2022

JCA

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Coexistence with technology has become part of daily life, the advantages of its use have spread to different disciplines such as finance, this evolution is part of the emergence of companies called Fintech (Financial Technology), a term that unifies Finance with technology, and that promotes the development of services and products that includes technological innovation to provide financial services, in a practical way and with easy access to people, companies or government. Fintech companies follow a customer-focused methodology, developing technological solutions according to the needs of their users and the current trend of the digital market, their most common products are focused on: means of payment and transfer, infrastructure for financial services, credits digital, personal finance, business finance, crowdfunding, disruptive financial entities, cryptocurrencies, Blockchain, and InsurTech. The objective of this article is to analyze the products offered by Financial Technologies (Fintech) in the design of solutions for companies or independent users in their inclusion in the use of technology-based financial services, taking as a normative reference the antecedents of the Law for Regulate Financial Technology Institutions (LRITF) in Mexico.

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El impacto de la Ley Fintech a la Industria de la Tecnología Financiera y el reto de establecer un Gobierno Corporativo

Cited by 3 publications

References 0 publications

Adoption of Fintech Services in Young Students: Empirical Approach from a Developing Country

Adoption of Fintech Services in Young Students: Empirical Approach from a Developing Country

El uso de las Fintech por la Generación Millenial en México

Fintech, the digital age of financial services

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