Perspectivas generacionales sobre la adopción de tecnología financiera: desafíos, demografía e inclusión digital
DOI:
https://doi.org/10.32870/myn.vi56.7827Palabras clave:
Desafíos, Fintech, Generaciones, Millennials, Sustentabiidad y tecnologíaResumen
Esta investigación busca analizar cómo las distintas generaciones en India adoptan los servicios fintech, considerando las principales barreras y aspectos demográficos que definen estas tendencias. Con una muestra de 278 clientes bancarios en Punjab y Jammu y Cachemira, se evidencia que la Generación Z y los millennials han adoptado los servicios fintech en gran medida en comparación con la Generación X. Entre las barreras más importantes se encuentran la falta de habilidades técnicas, la preocupación por la ciberseguridad y las estrictas regulaciones. Los hallazgos demuestran que la implementación de medidas adaptadas a cada generación será fundamental para promover los servicios financieros digitales y reducir la brecha entre quienes pueden utilizarlos y quienes no. Si bien las empresas fintech son cada vez más reconocidas en el sector de pagos, los principales obstáculos para el rápido desarrollo del ecosistema fintech en India son la falta de conocimientos técnicos, la baja seguridad (mensajes y llamadas fraudulentas, etc.), las leyes regulatorias y de cumplimiento, la documentación y los trámites, y el apego emocional al efectivo. Los gobiernos, las instituciones financieras, los reguladores y las empresas Fintech indias deben trabajar juntos para abordar estos problemas estructurales desde la base, ampliar su alcance, mejorar la satisfacción del consumidor y hacer que los canales digitales sean más aceptables.Citas
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