Determinants of the Adoption of Mobile Applications for Financial Transactions in Young Peruvians Using UTAUT

Nolasco-Mamani M.A.; Gambetta Quelopana R.L.; Velásquez Rodríguez N.C.; Acra-Despradel C.; Choque-Salcedo R.E.; Espinoza Vidaurre S.M. · Lecture Notes in Networks and Systems (2026) · DOI: 10.1007/978-3-032-10721-3_76

Resumen

This study aims to evaluate the factors that influence the intention to use mobile applications for financial transactions among young Peruvians, using the UTAUT model as a theoretical framework. A quantitative, correlational and explanatory approach was adopted on a sample of 206 young people aged 18 to 30, respondents at the end of 2024 in Tacna, Peru. The data were analysed using partial least squares structural equation modeling (PLS-SEM). The results show that facilitating conditions have the greatest influence on intention to use with β = 0.265, followed by performance expectations with a value of β = 0.143 and social influence with β = 0.138. On the other hand, effort expectations have the least impact with a value of β = 0.078. In conclusion, strengthening the digital infrastructure, access to technical support and adequate institutional communication are key aspects in promoting the adoption of these applications among young people. From a theoretical point of view, the study extends the applicability of the UTAUT model by validating its usefulness in emerging market contexts, highlighting the importance of contextual conditions in technology adoption. © The Author(s), under exclusive license to Springer Nature Switzerland AG 2026.

Instituciones: Universidad Privada de Tacna; Universidad Católica Sedes Sapientiae