Impact of a Fintech business model based on a digital wallet on the payment system of the micro and small enterprise (MSE) sector in Huancayo, Peru
- Authors
-
-
- Keywords:
- Fintech, digital wallet, micro and small enterprises, digital transformation, payment systems, financial inclusion
- Abstract
-
This study assessed the effect of implementing a Fintech business model based on a digital wallet on the payment system in micro and small enterprises (MSEs) in Huancayo, Peru. A pre-experimental pre-post design (O₁ → X → O₂) was employed with eight establishments selected via convenience census sampling. Evaluated indicators included security, ease of use, operating cost, and service time, measured through customer surveys, semi-structured owner interviews, and structured observation. Results showed statistically significant differences (paired-samples t-test, p < 0.05) across all indicators: security (+30.7 points), ease of use (+42.0 points), operating cost (–22.0 points), and service time (–45.1 points). It is concluded that digital wallet adoption significantly enhances operational efficiency, security, and customer experience in the payment systems of the assessed MSEs, serving as a viable option for digital transformation in regional Peruvian settings with persistent unbanked gaps.
- References
- Cover Image
-
- Downloads
- Published
- 2025-11-27
- Section
- Artículos
- License
-
Copyright (c) 2025 Julio Elvis Valero Cajahuanca, Fernando Viterbo Sinche Crispín, Erika Mirella Gutiérrez Sullca
This work is licensed under a Creative Commons Attribution 4.0 International License.
How to Cite
Similar Articles
- Fernando Viterbo Sinche Crispín, David León Gómez, Implementation of Digital Marketing in Social Networks for the Brand Positioning of the Industrial Manufacturing Company, Huancayo 2023 , GnosisWisdom: Vol. 4 No. 1 (2024): January - April Edition - ISSN: 2789-4282
- Franklin Moises Gilvonio Yaranga, Carlos Luis Lapa-Zárate, Implementation of Digital Marketing in Social Networks for the Brand Positioning of the Company Fima Industrial Manufacturer E.I.R.L. , GnosisWisdom: Vol. 3 No. 3 (2023): September - December 2023 Edition ISSN: 2789-4282
- Gloria Melina Leyva Tarazona, Marketing en redes sociales y la decisión de compra en una empresa de Huánuco , GnosisWisdom: Vol. 4 No. 1 (2024): January - April Edition - ISSN: 2789-4282
- Esther Katherin Jayo-Yance , Rene Antonio Hinojosa-Benavides , Lizangela Aurelia Hinojosa Yzarra , Entrepreneurship and Agribusiness Elements in the MYPEs , GnosisWisdom: Vol. 5 No. 1 (2025): January - April Edition - ISSN: 2789-4282
- Leonor Neda Carbajal Cuadros, Vito Raúl Chaupis Huaroc, Lizangela Aurelia Hinojosa Yzarra, Genaro Mario Condori Ramos, Federico Arturo Hoffmeister Gima, Economic viability of Bordeaux mixture as a phytosanitary strategy in the cultivation of Theobroma cacao , GnosisWisdom: Vol. 5 No. 3 (2025): September - December Edition ISSN: 2789-4282
- Christian Edinson Murga Tirado, Alex Flores Benites, Anais Gabriela Vasquez Salazar, Ronald Vilcahuaman Tadeo, Improving the Performance of Rigid Pavements by Using Modern Methods in Layer Optimization , GnosisWisdom: Vol. 3 No. 3 (2023): September - December 2023 Edition ISSN: 2789-4282
- Eduardo M. Pacheco Peña, Mariella Salcedo Núñez , Roger Milthon Tito Matos , Justo Chamorro Balvin, Lizardo Chachi Montes, Creation of the Autonomous University of the Native Communities of the Central Jungle in Yurinaki: An educational opportunity for the intercultural development of Perené, Chanchamayo - Junín , GnosisWisdom: Vol. 5 No. 1 (2025): January - April Edition - ISSN: 2789-4282
- David Castillon Poma , Astrid Vanessa Crispin Pérez , Lizangela Aurelia Hinojosa Yzarra , Candelaria Flores Miranda , Sustainable contribution of “oregano” to the well-being of poultry producers , GnosisWisdom: Vol. 5 No. 2 (2025): Edición Mayo - Agosto ISSN: 2789-4282
- Susan Karina Montes Bujaico, Elyane Estefany Belito Huamani, Jhonatan Alberto Aquino Victoria , Ronald Ortecho Llanos, Misael Montes Bujaico, Deyvid Cruz Ventura, Fredy Quintana Uscamayta, Physicochemical Assessment of Drinking Water Quality in the Rural Communities of San Carlos, Viñas, and Pampas, Tayacaja: Implications for Safe Supply , GnosisWisdom: Vol. 5 No. 1 (2025): January - April Edition - ISSN: 2789-4282
- Joel Mulato-Sánchez, Wilmer Zaravia-Apacclla, Manuel Castrejón-Valdez, Rene Antonio Hinojosa Benavides , Strengthening food security through parasite control in guinea pig (Cavia porcellus) , GnosisWisdom: Vol. 5 No. 2 (2025): Edición Mayo - Agosto ISSN: 2789-4282
You may also start an advanced similarity search for this article.
Most read articles by the same author(s)
- Fernando Viterbo Sinche Crispín, Sergio Huincho Lapa, Gianmarco Garcia Curo, José Torres Huamaní, Estrategias de diferenciación con percepción del valor en la rentabilidad de los negocios del rubro de regalos Junín, Perú , GnosisWisdom: Vol. 1 No. 1 (1): Edición Enero - Abril 2021 ISSN: 2789-4282
- Fernando Viterbo Sinche Crispín, David León Gómez, Implementation of Digital Marketing in Social Networks for the Brand Positioning of the Industrial Manufacturing Company, Huancayo 2023 , GnosisWisdom: Vol. 4 No. 1 (2024): January - April Edition - ISSN: 2789-4282
- Fernando Viterbo Sinche Crispín, Julio Elvis Valero Cajahuanca, Erika Mirella Gutiérrez Sullca, Application of VIPLAN in the proposal of an Organizational Structure Design for the dairy Sector of the MYPES of the Pampas District , GnosisWisdom: Vol. 2 No. 2 (2022): Edición Mayo - Agosto 2022 ISSN: 2789-4282
- Fernando Viterbo Sinche Crispin, Steve Jesús Flores Barreto, Sergio Huincho Lapa, Modelo de la dinámica de sistemas para comprender el comportamiento de la realidad compleja (caso de distrito de Daniel Hernández – Tayacaja – Huancavelica) , GnosisWisdom: Vol. 1 No. 1 (1): Edición Enero - Abril 2021 ISSN: 2789-4282
- Fernando Viterbo Sinche Crispín, Editorial , GnosisWisdom: Vol. 5 No. 2 (2025): Edición Mayo - Agosto ISSN: 2789-4282
- Fernando Viterbo Sinche Crispín, Editorial , GnosisWisdom: Vol. 5 No. 3 (2025): September - December Edition ISSN: 2789-4282
- Fernando Viterbo Sinche Crispín, Editorial , GnosisWisdom: Vol. 4 No. 2 (2024): Edición Mayo - Agosto ISSN: 2789-4282