Bibliographic citations
Guerrero, E., (2024). Impacto del nivel educativo en el uso de pagos digitales mediante tarjetas de crédito, tarjetas de débito y banca por internet en Perú durante el periodo 2019-2023 [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/683937
Guerrero, E., Impacto del nivel educativo en el uso de pagos digitales mediante tarjetas de crédito, tarjetas de débito y banca por internet en Perú durante el periodo 2019-2023 [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2024. http://hdl.handle.net/10757/683937
@misc{renati/1300921,
title = "Impacto del nivel educativo en el uso de pagos digitales mediante tarjetas de crédito, tarjetas de débito y banca por internet en Perú durante el periodo 2019-2023",
author = "Guerrero Peña, Elvis Raul",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2024"
}
This research aims to analyze the impact of educational level on the use of digital payments in Peru during the 2019-2023 period, using data from the National Household Survey (ENAHO) conducted by the National Institute of Statistics and Informatics (INEI). From a microeconomic perspective, the study explores how individuals' educational attainment influences the use of digital payments through debit cards, credit cards, and online banking. The analysis focuses on identifying the relationship between educational level and digital payment adoption within the context of growing digitalization in the country. Existing literature employing econometric models reveals a significant and positive relationship between educational level and the use of digital payments, underscoring the importance of education as a key determinant in their adoption. Furthermore, this study contributes to understanding the barriers and enablers of these payment instruments in Peru, providing a basis for public policy recommendations to promote their usage.
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