TAM3 MODEL: LEARNING ABOUT DIGITAL PAYMENT SYSTEMS IN “FINTECH” ACCEPTANCE

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RUBÉN DARÍO MARTÍNEZ AMADO, LUGO MANUEL BARBOSA GUERRERO, JAIRO JAMITH PALACIOS ROZO

Abstract

Although there are advances in the Technology Acceptance Model (TAM3), there is a need to measure the perception and behavioral attitude in the technology use or there is a lack of knowledge regarding the Fintech acceptance approach regarding ease of use as key external variable of the model. The purpose of this study was according to their socioeconomic stratum and gender,  if they consider that learning in relation to the different digital payment systems facilitates their use. 370 graduate students at a private university participated, who completed the online instrument “Fintech acceptance regarding ease of use as a key external variable of the TAM3 model”. The results show that there is a high percentage that are agree that learning in relation to payment systems, the analysis of Variance ANOVA showed that the effects help to identify the important factors that influence the perception regarding facilitation of the use of the digital payment system and provides information on the relationships between these variables. It is concluded that among certain factors and categories of the TAM3 Model, where the factors are relevant in the acceptance of digital payment systems in the context of Fintech, such as the reputation of the provider, previous experiences, time reduction and lack of physical presence when designing strategies.

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Author Biography

RUBÉN DARÍO MARTÍNEZ AMADO, LUGO MANUEL BARBOSA GUERRERO, JAIRO JAMITH PALACIOS ROZO

1RUBÉN DARÍO MARTÍNEZ AMADO, 2LUGO MANUEL BARBOSA GUERRERO,3JAIRO JAMITH PALACIOS ROZO

1Candidato a PhD en administración y desarrollo, magister en administración, especialista en herramientas virtuales de aprendizaje, profesor ocasional medio tiempo Universidad Colegio Mayor de Cundinamarca. Bogotá, Colombia.

2Magíster en informática Educativa.

Docente de planta de la Universidad Colegio Mayor de Cundinamarca. Bogotá, Colombia. Correo electrónico:

3Magíster en Educación.

Doctorando en Socioformación y Sociedad del Conocimiento – CIFE.

Docente de Planta de la Universidad Colegio Mayor de Cundinamarca. Bogotá, Colombia.

 

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