Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey

Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey

Este estudio identifica los posibles factores que pueden motivar u obstaculizar la aceptación de servicios financieros en línea. Los resultados apuntalan que el tam2 es un modelo válido para predecir el propósito de los consumidores objeto de estudio para explicar la diferencia entre adoptantes y no adoptantes. Los indicadores como la protección de la privacidad percibida, la seguridad percibida y la capacidad de innovación del consumidor demuestran tener una relación positiva significativa con estos y predecir significativamente quién es más probable que los adopte. Los hallazgos pueden ayudar a las instituciones financieras a expresar las estrategias de comercialización adecuadas, diseñar sistemas en línea efectivos y acelerar la difusión... Ver más

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Apuntes Contables

1657-7175

2619-4899

Pedraza Sánchez, Erika Yadira

Araiza Vázquez, María de Jesús

UNIVERSIDAD EXTERNADO DE COLOMBIA

10.18601/16577175.n24.02

2019-05-30

11

38

Colombia

seguridad

protección de datos;

servicios financieros en línea;

aceptación;

modelo de aceptación de tecnología;

http://purl.org/coar/access_right/c_abf2

info:eu-repo/semantics/openAccess

María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019

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spelling Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
Kolter, J. Z. y Joseph Ferreira, J. (2011). “A large-scale study on predicting and contextualizing building energy usage”, Proceedings of the Twenty-Fifth aaai Conference on Artificial Intelligence, AAAI Press, San Francisco, CA, pp. 1349-1356.
Palos, P. (2016). Modelos de aceptación y uso del Cloud Computing: un análisis realizado en el ámbito. Estudios DE Economía Aplicada, 34, 3.
Nunnally, J. (1978) Psychometric theory. Nueva York: McGraw-Hill.
Ndubisi, N. O. y Sinti, Q. (2006). Consumer attitudes, system’s characteristics and Internet banking adoption in Malaysia. Management Research News, 29(1/2), 16-27.
Mooij, M. D. (2004). Consumer behavior and culture: Consequences for global marketing and advertising. Thousand Oaks, Sage, CA.
Miyazaki, A. D. y Fernández, A. (2001). Consumer perceptions of privacy and security risks for online shopping. Journal of Consumer Affairs, 35(1), 27-44.
McKechnie, S., Winklhofer, H. y Ennew, C. (2006). Applying the technology acceptance model to online retailing of financial services. International Journal of Retail and Distribution Management, 34(4/5), 388-410.
McGorry, S. Y. (2000). Measurement in a cross-cultural environment: Survey translation issues. Qualitative Market Research: An International Journal, 3(2), 74-81.
Mavri, M. y Ioannou, G. (2006). Consumer perspectives on online banking services. International Journal of Consumer Studies, 30(6), 552-560.
Mathwick, C., Malhotra, N. y Rigdon, E. (2001). Experiential value: Conceptualization, measurement and application in the catalog and Internet shopping environment. Journal of Retailing, 77, 39-56.
Liu, W., Sidhu, A., Beacom, A. M. y Valente, T. W. (2017). Social network theory. The international encyclopedia of media effects, 1-12
Limayem, M., Hirt, S. G. y Chin, W. W. (2001). Intention does not always matter: The contingent role of habit on IT usage behavior, in: The nineth European Conference on Information System. Bled, Slovenia, 274-286.
Liebermann, Y. y Stashevsky, S. (2002). Perceived risks as barriers to Internet and e- commerce usage. Qualitative Market Research: An International Journal, 5(4), 291-300.
Lee, I. y Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35-46.
Khalifa, M. y Shen, K. N. (2008). Explaining the adoption of transactional B2C mobile commerce. Journal of Enterprise Information Management, 21(2), 110-124.
Paswan, A. K. y Hirunyawipada, T. (2006). Consumer innovativeness and perceived risk: Implications for high technology product adoption. Journal of Consumer Marketing, 23(4), 182-198.
Karjaluoto, H., Mattila, M. y Pento, T. (2002). Factors underlying attitude formation towards online banking in Finland. International Journal of Bank Marketing; 20(6), 261-272.
Karayanni, D. A. (2003). Web shoppers and non-shoppers: Compatibility, relative advantage, and demographics. European Business Review, 15(3), 141-152.
Kalia, P., Kaur, N. y Singh, T. (2018). E-Commerce in India: evolution and revolution of online retail. In Mobile Commerce: Concepts, Methodologies, Tools, and Applications (pp. 736-758). Estados Unidos de América: IGI Global.
Jin, b., Young Park, J. y Kim, J. (2008). Cross-cultural examination od the relationships among firm reputation, e-satisfaction, e-trust, and e-loyalty. International Marketing Review, 25(3), 324-337.
Jarvenpaa, S., Tractinsky, N. y Vitale, M. (2000). Consumer trust in an Internet store. Information Technology and Management, 1(2000), 45-71.
Im, S., Bayus, B. L. y Mason, C. H. (2003). An empirical study of innate consumer innovativeness, personal characteristics and new-product adoption behavior. Journal of Academy of Marketing Science, 31(1), 61-74.
Hofstede, G. y Hofstede, G. J. (2005) Cultures and organizations: Software of the mind. Hill York: New McGraw.
Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E. y Tatham, R. L. (2006) Multivariate data analysis. Prentice Hall, Upper Saddle River, NJ.
Grewal, D., Munger, J.L., Iyer, G.R., y Levy, M. (2003). The influence of Internet-retailing factors on price expectations. Psychology and Marketing, 20(6), 477-493.
Gopi, M. y Ramayah, T. (2007). Applicability of theory of planned behavior in predicting intention to trade online: Some evidence from a developing country. International Journal of Emerging Markets, 2(4), 348-360.
Goldsmith, R. E. y Hofacker, C. F. (1991). Measuring consumer innovativeness. Journal of the Academy of Marketing Science, 19(3), 209-221.
Goldsmith, R. E. y Flynn, L. R. (2004). Psychological and behavioral drivers of online clothing purchases. Journal of Fashion Marketing and Management, 8(1), 84-95.
Goldsmith, R. E. y Flynn, L. R. (1998). Theory and measurement of consumer innovativeness: A transnational evaluation. European Journal of Marketing, 32(3/4), 340-353.
Park, C. y Jun, J. K. (2003). A cross-cultural comparison of internet buying behaviour: Effects of Internet usage, perceived risks, and innovativeness. International Marketing Review, 20(5), 534-553.
Pavlou, P. y Fygenson, M. (2006). Understanding and prediction electronic commerce adoption: An extension of the theory of planned behavior. MIS Quarterly, 30(1), 115- 143.
Goldsmith, R. E. (2001). Using the domain specific innovativeness scale to identify innovative Internet consumers. Internet Research: Electronic Networking Applications and Policy, 11(2), 149-158.
Udo, G. J. (2001). Privacy and security concern as major barrier for e-commerce: A survey study. Information Management and Computer Security, 9(4), 165-174.
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Yoh, E., Damhorst, M. L., Sapp, S. G. y Laczniak, R. N. (2003) Consumer adoption of the Internet: The case of apparel shopping. Psychology and Marketing, 20(12), 1095-1118.
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Venkatesh, V., Speier, C. y Morris, M. G. (2002). User acceptance enablers in individual decision making about technology: Toward an integrated model. Decision Sciences, 33, 297-316.
Vakeel, K. A., Das, S., Udo, G. J. y Bagchi, K. (2017). Do security and privacy policies in B2B and B2C e-commerce differ? A comparative study using content analysis. Behaviour & Information Technology, 36(4), 390-403.
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Teas, R. K. y Agarwal, S. (2000). The effects of extrinsic product cues on consumers’ perceptions of quality, sacrifice, and value. Journal of Academy of Marketing Science, 28(2), 278-290.
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Steenkamp, E. M., Hofstede, F. y Wedel, M. (1999). A cross-national investigation into the individual and national cultural antecedents of consumer innovations. Journal of Marketing, 63, 55-69.
Standifird, S. S. (2001). Reputation and e-commerce: eBay auctions and the asymmetrical impact of positive and negative ratings. Journal of Management, 23(3), 279-295.
Shim, S., Eastlick, M.A., Lotz, S.L. y Warrington, P. (2001). An online pre-purchase intention model: The role of intention to search. Journal of Retailing, 77(3), 397-416.
Salisbury, W. D., Pearson, R. A., Pearson, A. W. y Miller, D. W. (2001). Perceived security and World Wide Web purchase intention. Industrial Management and Data Systems, 101(4), 165-176.
Rogers, E. M. (2003). Diffusion of innovations. Nueva York: Simon and Schuster.
Ruyter, K.D., Wetzels, M., Kleijnen, M. (2001) Customer adoption of e-service: An experimental study. International Journal of Service Industry Management, 12(2), 184- 207.
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Artículo de revista
María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019
https://creativecommons.org/licenses/by-nc-sa/4.0/
Español
https://revistas.uexternado.edu.co/index.php/contad/article/view/5980
Apuntes Contables
Facultad de Contaduría Pública
application/xml
text/html
application/pdf
Núm. 24 , Año 2019 : Julio-Diciembre
Alalwan, A. A., Dwivedi, Y. K. y Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending utaut2 with trust. International Journal of Information Management, 37(3), 99-110.
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seguridad
protección de datos;
servicios financieros en línea;
aceptación;
modelo de aceptación de tecnología;
Pedraza Sánchez, Erika Yadira
Araiza Vázquez, María de Jesús
Este estudio identifica los posibles factores que pueden motivar u obstaculizar la aceptación de servicios financieros en línea. Los resultados apuntalan que el tam2 es un modelo válido para predecir el propósito de los consumidores objeto de estudio para explicar la diferencia entre adoptantes y no adoptantes. Los indicadores como la protección de la privacidad percibida, la seguridad percibida y la capacidad de innovación del consumidor demuestran tener una relación positiva significativa con estos y predecir significativamente quién es más probable que los adopte. Los hallazgos pueden ayudar a las instituciones financieras a expresar las estrategias de comercialización adecuadas, diseñar sistemas en línea efectivos y acelerar la difusión y uso de estos.
Ajzen, I. (1988) Attitudes, personality and behavior. Chicago, IL: Dorsey.
Publication
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Fishbein, M. y Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Reading, Addison-Wesley, MA.
Demangeot, C. y Broderick, A. J. (2006). Exploring the experiential intensity of online shopping environments. Qualitative Market Research: An International Journal, 9(4), 325-351.
Davis, F. D., Bagozzi, R. P. y Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
Davis, F. D. y Venkatesh, V. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.
Davis, F. D. y Venkatesh, V. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision Sciences, 27(3), 451-481.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarterly, 319-340.
Craig, C. S. y Douglas, S. P. (2005). International marketing research. John Wiley and Sons Chichester, England.
Beltrán Reyes, N. H., Solís, D., Vladimir, A. y Joseemar, F. (2015). Planificación de auditoría basada en riesgos para empresas que se dedican al comercio electrónico (Tesis doctoral), Universidad de El Salvador.
Citrin, A. V., Sprott, D. E., Silverman, S. N. y Stem, D. E., Jr. (2000). Adoption of Internet hopping: The role of consumer innovativeness. Industrial Management and Data Systems, 100(7), 294-300.
Chiu, Y. B., Lin, C. P. y Tang, L. L. (2005) Gender differs: Assessing a model of online purchase intentions in e-tail service. International Journal of Service Industry Management, 16(5), 416-435.
Childers, T. L., Christopher, L., Carr, J. P. y Carson, S. (2001). Hedonic and utilitarian motivations for online retail shopping behavior. Journal of Retailing, 77, 511-535.
Chen, Z. y Dubinsky, A. J. (2003). A conceptual model of perceived customer value in ecommerce: A preliminary investigation. Psychology and Marketing, 20(4), 323-347.
Chen, L. y Liu, H. W. (2015). A review of privacy protection in e-commerce. Journal of Advanced Management Science, 3(1).
Casalo, L. V., Flavián, C. y Guinaliu, M. (2007). The role of security, privacy, usability and reputation in the development of online banking. Online Information Review, 31(5), 583-603.
Flynn, L. R. y Goldsmith R. E. (1993). Identifying innovators in consumer service markets. Service Industries Journal, 13(3), 97-109.
Gerrard, P. y Barton Cunningham, J. (2003). The diffusion of internet banking among Singapore consumers. International journal of bank marketing, 21(1), 16-28.
Brown, T. J. y Dacin, P. A. (1997). The company and the product: Corporate associations and consumer product responses. Journal of Marketing, 61, 68-84.
Blake, B. F., Neuendorf, K. A. y Valdiserri, C. M. (2003) Innovativeness and variety of Internet shopping. Internet Research Electronic Networking Applications and Policy, 13(3), 156-169.
Bhatnagar, A., Misra, S. M. y Rao, R. H. (2000). On risk, convenience, and Internet shopping behavior. Communications of the ACM, 43(11), 98-105.
Gitman, L. J., Juchau, R. y Flanagan, J. (2015). Principles of managerial finance. Pearson Higher Education AU.
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Field, A. (2005). Discovering statistics using SPSS. Londres: Sage.
adoption;
Technology acceptance model;
online financial services;
data protection;
security
This study identifies possible factors that may motivate or hinder the adoption of online financial services. The results support that the tam2 is a valid model to predict the purpose of the consumers under study to explain the difference between adopters and non-adopters. Indicators such as the protection of perceived privacy, perceived safety and consumer innovation capacity demonstrate a significant positive relationship with them and significantly predict who is more likely to adopt them. The findings can help financial institutions express appropriate marketing strategies, design effective online systems and accelerate the dissemination and use of these.
Journal article
Acceptance of online financial services by consumers of the metropolitan area of Monterrey
https://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7703
https://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7812
https://revistas.uexternado.edu.co/index.php/contad/article/download/5980/7823
2019-05-30T00:00:00Z
2019-05-30T00:00:00Z
2019-05-30
1657-7175
2619-4899
https://doi.org/10.18601/16577175.n24.02
11
38
10.18601/16577175.n24.02
institution UNIVERSIDAD EXTERNADO DE COLOMBIA
thumbnail https://nuevo.metarevistas.org/UNIVERSIDADEXTERNADODECOLOMBIA/logo.png
country_str Colombia
collection Apuntes Contables
title Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
spellingShingle Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
Pedraza Sánchez, Erika Yadira
Araiza Vázquez, María de Jesús
seguridad
protección de datos;
servicios financieros en línea;
aceptación;
modelo de aceptación de tecnología;
adoption;
Technology acceptance model;
online financial services;
data protection;
security
title_short Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_full Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_fullStr Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_full_unstemmed Aceptación de servicios financieros en línea por los consumidores del área metropolitana de Monterrey
title_sort aceptación de servicios financieros en línea por los consumidores del área metropolitana de monterrey
title_eng Acceptance of online financial services by consumers of the metropolitan area of Monterrey
description Este estudio identifica los posibles factores que pueden motivar u obstaculizar la aceptación de servicios financieros en línea. Los resultados apuntalan que el tam2 es un modelo válido para predecir el propósito de los consumidores objeto de estudio para explicar la diferencia entre adoptantes y no adoptantes. Los indicadores como la protección de la privacidad percibida, la seguridad percibida y la capacidad de innovación del consumidor demuestran tener una relación positiva significativa con estos y predecir significativamente quién es más probable que los adopte. Los hallazgos pueden ayudar a las instituciones financieras a expresar las estrategias de comercialización adecuadas, diseñar sistemas en línea efectivos y acelerar la difusión y uso de estos.
description_eng This study identifies possible factors that may motivate or hinder the adoption of online financial services. The results support that the tam2 is a valid model to predict the purpose of the consumers under study to explain the difference between adopters and non-adopters. Indicators such as the protection of perceived privacy, perceived safety and consumer innovation capacity demonstrate a significant positive relationship with them and significantly predict who is more likely to adopt them. The findings can help financial institutions express appropriate marketing strategies, design effective online systems and accelerate the dissemination and use of these.
author Pedraza Sánchez, Erika Yadira
Araiza Vázquez, María de Jesús
author_facet Pedraza Sánchez, Erika Yadira
Araiza Vázquez, María de Jesús
topicspa_str_mv seguridad
protección de datos;
servicios financieros en línea;
aceptación;
modelo de aceptación de tecnología;
topic seguridad
protección de datos;
servicios financieros en línea;
aceptación;
modelo de aceptación de tecnología;
adoption;
Technology acceptance model;
online financial services;
data protection;
security
topic_facet seguridad
protección de datos;
servicios financieros en línea;
aceptación;
modelo de aceptación de tecnología;
adoption;
Technology acceptance model;
online financial services;
data protection;
security
citationissue 24
citationedition Núm. 24 , Año 2019 : Julio-Diciembre
publisher Facultad de Contaduría Pública
ispartofjournal Apuntes Contables
source https://revistas.uexternado.edu.co/index.php/contad/article/view/5980
language Español
format Article
rights http://purl.org/coar/access_right/c_abf2
info:eu-repo/semantics/openAccess
María de Jesús Araiza Vázquez, Erika Yadira Pedraza Sánchez - 2019
https://creativecommons.org/licenses/by-nc-sa/4.0/
references Kolter, J. Z. y Joseph Ferreira, J. (2011). “A large-scale study on predicting and contextualizing building energy usage”, Proceedings of the Twenty-Fifth aaai Conference on Artificial Intelligence, AAAI Press, San Francisco, CA, pp. 1349-1356.
Palos, P. (2016). Modelos de aceptación y uso del Cloud Computing: un análisis realizado en el ámbito. Estudios DE Economía Aplicada, 34, 3.
Nunnally, J. (1978) Psychometric theory. Nueva York: McGraw-Hill.
Ndubisi, N. O. y Sinti, Q. (2006). Consumer attitudes, system’s characteristics and Internet banking adoption in Malaysia. Management Research News, 29(1/2), 16-27.
Mooij, M. D. (2004). Consumer behavior and culture: Consequences for global marketing and advertising. Thousand Oaks, Sage, CA.
Miyazaki, A. D. y Fernández, A. (2001). Consumer perceptions of privacy and security risks for online shopping. Journal of Consumer Affairs, 35(1), 27-44.
McKechnie, S., Winklhofer, H. y Ennew, C. (2006). Applying the technology acceptance model to online retailing of financial services. International Journal of Retail and Distribution Management, 34(4/5), 388-410.
McGorry, S. Y. (2000). Measurement in a cross-cultural environment: Survey translation issues. Qualitative Market Research: An International Journal, 3(2), 74-81.
Mavri, M. y Ioannou, G. (2006). Consumer perspectives on online banking services. International Journal of Consumer Studies, 30(6), 552-560.
Mathwick, C., Malhotra, N. y Rigdon, E. (2001). Experiential value: Conceptualization, measurement and application in the catalog and Internet shopping environment. Journal of Retailing, 77, 39-56.
Liu, W., Sidhu, A., Beacom, A. M. y Valente, T. W. (2017). Social network theory. The international encyclopedia of media effects, 1-12
Limayem, M., Hirt, S. G. y Chin, W. W. (2001). Intention does not always matter: The contingent role of habit on IT usage behavior, in: The nineth European Conference on Information System. Bled, Slovenia, 274-286.
Liebermann, Y. y Stashevsky, S. (2002). Perceived risks as barriers to Internet and e- commerce usage. Qualitative Market Research: An International Journal, 5(4), 291-300.
Lee, I. y Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35-46.
Khalifa, M. y Shen, K. N. (2008). Explaining the adoption of transactional B2C mobile commerce. Journal of Enterprise Information Management, 21(2), 110-124.
Paswan, A. K. y Hirunyawipada, T. (2006). Consumer innovativeness and perceived risk: Implications for high technology product adoption. Journal of Consumer Marketing, 23(4), 182-198.
Karjaluoto, H., Mattila, M. y Pento, T. (2002). Factors underlying attitude formation towards online banking in Finland. International Journal of Bank Marketing; 20(6), 261-272.
Karayanni, D. A. (2003). Web shoppers and non-shoppers: Compatibility, relative advantage, and demographics. European Business Review, 15(3), 141-152.
Kalia, P., Kaur, N. y Singh, T. (2018). E-Commerce in India: evolution and revolution of online retail. In Mobile Commerce: Concepts, Methodologies, Tools, and Applications (pp. 736-758). Estados Unidos de América: IGI Global.
Jin, b., Young Park, J. y Kim, J. (2008). Cross-cultural examination od the relationships among firm reputation, e-satisfaction, e-trust, and e-loyalty. International Marketing Review, 25(3), 324-337.
Jarvenpaa, S., Tractinsky, N. y Vitale, M. (2000). Consumer trust in an Internet store. Information Technology and Management, 1(2000), 45-71.
Im, S., Bayus, B. L. y Mason, C. H. (2003). An empirical study of innate consumer innovativeness, personal characteristics and new-product adoption behavior. Journal of Academy of Marketing Science, 31(1), 61-74.
Hofstede, G. y Hofstede, G. J. (2005) Cultures and organizations: Software of the mind. Hill York: New McGraw.
Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E. y Tatham, R. L. (2006) Multivariate data analysis. Prentice Hall, Upper Saddle River, NJ.
Grewal, D., Munger, J.L., Iyer, G.R., y Levy, M. (2003). The influence of Internet-retailing factors on price expectations. Psychology and Marketing, 20(6), 477-493.
Gopi, M. y Ramayah, T. (2007). Applicability of theory of planned behavior in predicting intention to trade online: Some evidence from a developing country. International Journal of Emerging Markets, 2(4), 348-360.
Goldsmith, R. E. y Hofacker, C. F. (1991). Measuring consumer innovativeness. Journal of the Academy of Marketing Science, 19(3), 209-221.
Goldsmith, R. E. y Flynn, L. R. (2004). Psychological and behavioral drivers of online clothing purchases. Journal of Fashion Marketing and Management, 8(1), 84-95.
Goldsmith, R. E. y Flynn, L. R. (1998). Theory and measurement of consumer innovativeness: A transnational evaluation. European Journal of Marketing, 32(3/4), 340-353.
Park, C. y Jun, J. K. (2003). A cross-cultural comparison of internet buying behaviour: Effects of Internet usage, perceived risks, and innovativeness. International Marketing Review, 20(5), 534-553.
Pavlou, P. y Fygenson, M. (2006). Understanding and prediction electronic commerce adoption: An extension of the theory of planned behavior. MIS Quarterly, 30(1), 115- 143.
Goldsmith, R. E. (2001). Using the domain specific innovativeness scale to identify innovative Internet consumers. Internet Research: Electronic Networking Applications and Policy, 11(2), 149-158.
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