María Camila Bermeo-Giraldo|Alejandro Valencia-Arías|Lucía Palacios-Moya|Jackeline Valencia
Adoption of Fintech Services in Young Students: Empirical Approach from a Developing Country
Instituto Tecnológico Metropolitano|Universidad Señor de Sipán|Institución Universitaria Escolme|Universidad Ricardo Palma
work aimed identify main variables determine adoption fintech services young students colombian context model five factors proposed explain behavior 124 colombian university students methodological design followed quantitative approach exploratorydescriptive scope data processing statistical techniques exploratory factor analysis efa confirmatory factor analysis cfa used extract relevant factors evaluate measurement model test hypotheses relationships conceptual model constructs cramers v coefficient used results showed financial education social influence positive effect perceived benefit turn low regulation strongly related perceived benefit dependent social influence however digital literacy affected financial education social influence concluded number mobile users colombia increasing rapidly however adoption fintech slow addition university students study know fintech recognize use frequently