Impact of mobile money adoption on financial inclusion for citizens of Metropolitan Lima

Pinedo Guzmán S.A.; Aldazabal Marticorena L.A.; Jauregui Arroyo R.R.; Azabache Moran C.A.; Yong Chung F.E.; Moscoso Cuaresma J.R. · Proceedings of the LACCEI international Multi-conference for Engineering, Education and Technology (2025) · DOI: 10.18687/leird2025.1.1.242

Resumen

This study analyzes the influence of mobile money usage on financial inclusion among citizens of Metropolitan Lima in 2024. A quantitative methodology was employed, featuring an explanatory and cross-sectional design, with surveys conducted on 250 randomly selected residents. Statistical techniques such as exploratory and confirmatory factor analysis, along with partial least squares structural equation modeling (PLS-SEM), were applied to assess the relationship between mobile money and financial inclusion. The findings reveal that mobile money has a positive and significant impact on financial inclusion, accounting for 61.7% of its variability. Therefore, it is concluded that this technology serves as a strategic tool for overcoming traditional barriers and facilitating access to financial services in urban populations. © LEIRD 2025.All rights reserved.

Instituciones: Universidad Peruana de Ciencias Aplicadas