Bibliographic citations
Villanueva, C., (2022). El impacto del uso de los servicios de banca móvil y dinero móvil en la probabilidad de ahorro de las personas en Perú en el año 2019 [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/660487
Villanueva, C., El impacto del uso de los servicios de banca móvil y dinero móvil en la probabilidad de ahorro de las personas en Perú en el año 2019 [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2022. http://hdl.handle.net/10757/660487
@misc{renati/399903,
title = "El impacto del uso de los servicios de banca móvil y dinero móvil en la probabilidad de ahorro de las personas en Perú en el año 2019",
author = "Villanueva Huaman, Carlos Alejandro",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2022"
}
This research analyzes the impact of the use of mobile money and mobile banking services on the probability of saving of the target population that was part of the Survey of Financial Capacities carried out in 2019 by the Superintendence of Banking, Insurance and AFP (SBS). Based on the results, it is evident that mobile banking services have a positive effect on the probability of saving, particularly on saving in formal financial institutions. Savings are also influenced by income level, level of instruction (education) and access to data service on mobile telephony. Regarding mobile money services, although it was not statistically significant within the model, it is expected that to the extent that the service evolves over time, it will allow it to become a variable that also explains the effects on savings. For the probability analysis, a Multinomial Logit model was obtained.
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