Factores que afectan la intención de uso de tarjetas de crédito en jóvenes universitarios: Caso Universidad Nacional de Colombia – Sede Bogotá
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Orozco Leiva, Santiago
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Las tarjetas de crédito son un instrumento que además de servir como medio de pago permiten al consumidor realizar compras financiadas. Esta última característica hace de las tarjetas de crédito una herramienta que puede desencadenar una deuda descontrolada que termine afectando el bienestar del consumidor, de ahí la importancia de estudiar su uso.
Mediante la aplicación de la segunda versión de la teoría unificada de aceptación y uso de tecnología (UTAUT2) se estudió cuáles de los constructos allí propuestos influyen sobre la intención de usar tarjeta de crédito entre los estudiantes de la Universidad Nacional de Colombia Sede Bogotá. Para ello se realizó una encuesta con 344 respuestas que se analizó mediante mínimos cuadrados parciales (PLS, por sus siglas en inglés) y bootstrapping. De esta forma se encontró que el precio y el hábito son los factores que más influyen en la intención de uso de tarjetas de créditos entre universitarios de la Universidad Nacional de Colombia Sede Bogotá.
Además, mediante una pregunta adicional, se observó en qué circunstancias los estudiantes prefieren los pagos electrónicos o el pago en efectivo. Se encontró que en los pagos que requieren interacción con otra persona o que son frecuentes y recurrentes, como transporte o compras en el supermercado, suelen predominar el uso de efectivo (Texto tomado de la fuente)
Credit cards, besides being used as payment method, allow the consumer to buy on credit and pay later. This last characteristic makes the credit card a dangerous instrument since it can lead to uncontrolled debt, which might negatively affect the consumer wellbeing. Therefore, it is important to study its use behaviors. The second version of the unified theory of acceptance and use of technology (UTAUT2) was used to analyze which of the proposed constructs in this theory influence the use intention of credit cards among college students in the Universidad Nacional de Colombia Sede Bogotá. In order to do so, an online survey was applied, and 344 responses were collected. The data gathered was analyzed using partial least squares (PLS) and bootstrapping calculations. It was found that, among the studied constructs, price value and habit are the most influential factors on the use intention of credit cards among the college students at the major university in Colombia. Besides the UTAUT2 questionnaire, one additional question was added to assess for what kind of purchases the students prefer e-payments or cash. It was found that the payments in which human interaction is needed or that are frequently made, such as transport technologies or buying groceries at the store, cash is the predominant option
Credit cards, besides being used as payment method, allow the consumer to buy on credit and pay later. This last characteristic makes the credit card a dangerous instrument since it can lead to uncontrolled debt, which might negatively affect the consumer wellbeing. Therefore, it is important to study its use behaviors. The second version of the unified theory of acceptance and use of technology (UTAUT2) was used to analyze which of the proposed constructs in this theory influence the use intention of credit cards among college students in the Universidad Nacional de Colombia Sede Bogotá. In order to do so, an online survey was applied, and 344 responses were collected. The data gathered was analyzed using partial least squares (PLS) and bootstrapping calculations. It was found that, among the studied constructs, price value and habit are the most influential factors on the use intention of credit cards among the college students at the major university in Colombia. Besides the UTAUT2 questionnaire, one additional question was added to assess for what kind of purchases the students prefer e-payments or cash. It was found that the payments in which human interaction is needed or that are frequently made, such as transport technologies or buying groceries at the store, cash is the predominant option