Beyond Functional Engineering: Influence of Consumer Values on Digital Wallet Adoption for User-Centered Design

Palomino W.; Bendezu C. · Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology (2026) · DOI: 10.18687/laccei2026.1.1.524

Resumen

The use of digital wallets has expanded as an efficient solution for payments and transfers; nevertheless, their adoption faces barriers that extend beyond functional and engineering aspects. This study analyzes how consumption values influence adoption intention and the perception of security in the use of digital wallets. The theoretical framework employs conditional, emotional, epistemic, functional, and social values from Sheth's theory of value. An between-groups experimental design is used, with five manipulated conditions based on consumption values, implemented through digital wallet advertising stimuli. The findings highlight the need for technological design and digital innovation to integrate human and contextual dimensions to achieve effective adoption of digital financial ecosystems.

Instituciones: Universidad ESAN