Cryptocurrencies as Catalysts for Financial Inclusion in Latin America

Main Article Content

Nicolás A. Núñez Morales
https://orcid.org/0000-0003-2193-3830
Rodrigo Andrés Crisóstomo Zúñiga
https://orcid.org/0009-0000-5566-0231
Juan Pablo Núñez Morales

Abstract

Financial inclusion is a significant challenge in Latin  America, so it is relevant to propose new approaches and business models that help close the gap in access to financial services for underserved segments. In this line, we evaluate the intended use of a platform to buy  cryptocurrencies as an investment asset for people who invest in alternative instruments such as these, where the innovative element constitutes that cryptos can be given on loan to vulnerable people with convenient rates for both parties. Thus, based on the Unified Technology Acceptance and Use Theory (UTAUT) model of technology adoption, the results show that social influence and trust are the variables that explain, to a greater extent, the intention to use them. The findings of this study generate new evidence for the development of innovative business models, as well as a relevant contribution to public policy concerning the development of the fintech ecosystem in Latin America.

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How to Cite
Núñez Morales, N. A., Crisóstomo Zúñiga, R. A., & Núñez Morales, J. P. (2024). Cryptocurrencies as Catalysts for Financial Inclusion in Latin America. The Anáhuac Journal, 24(2), Pág. 1–32. https://doi.org/10.36105/theanahuacjour.2024v24n2.2389
Section
Artículos
Author Biographies

Nicolás A. Núñez Morales, Centrum PUCP Graduate Business School Pontificia Universidad Católica del Perú, Lima, Perú

Nicolás tiene un PhD en Management por ESEADE, es magíster en Ingeniería Industrial por la UNAB de Chile e ingeniero civil industrial por la Universidad de Chile. Académico e investigador en Centrum PUCP Graduate Business School, Pontificia Universidad Católica del Perú, especializado en Learning Analytics, People Analytics y Operations Research, con foco en la educación en emprendimiento, sostenibilidad, innovación, y business analytics. Su trabajo combina analítica avanzada con la enseñanza de negocios, integrando sostenibilidad y tecnologías digitales para optimizar procesos educativos y empresariales. Ha participado en proyectos de investigación de alto impacto y conferencias internacionales, contribuyendo al desarrollo de estrategias innovadoras en educación y emprendimiento sostenible.

Rodrigo Andrés Crisóstomo Zúñiga, Facultad de Ingeniería y Empresa Universidad Católica Silva Henríquez, Santiago, Chile

Rodrigo es magíster en Ingeniería Industrial por la UNAB e ingeniero civil industrial por la Universidad de Chile. Tiene amplia experiencia en gestión empresarial y docencia en educación superior. Es académico e investigador en la Universidad Católica Silva Henríquez, especializado en la gestión en educación superior y la gestión del conocimiento, además de pensiones y sus ecosistemas de inversión, tanto tradicionales como alternativos y mercado del trabajo.

Juan Pablo Núñez Morales, Facultad de Economía y Gobierno Universidad San Sebastián, Santiago, Chile

Juan Pablo es estudiante de Ingeniería Comercial en la Universidad San Sebastián, Chile, con un enfoque claro en la investigación de áreas emergentes y de alto impacto, como Finanzas Verdes, Marketing Sostenible y Estrategia Comercial.
Su interés académico está orientado hacia soluciones innovadoras que promuevan la sostenibilidad financiera y empresarial, para contribuir al desarrollo de prácticas comerciales responsables y sostenibles en un entorno global en constante cambio.

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