Estrategia de banca móvil y nivel de aceptación de clientes microempresarios de Caja Arequipa, agencia San Hilarión - Lima 2020
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Date
2022
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Universidad Nacional de Trujillo
Abstract
La investigación realizada se orientó a determinar de qué manera la Estrategia de Banca móvil tiene aceptación en los clientes microempresario de la Caja Arequipa, Agencia San Hilarión - Lima, teniendo como escenario geográfico el Distrito de San Juan de Lurigancho Provincia de Lima, y como entidad analizada la Caja Municipal de Ahorro y Crédito de Arequipa – Agencia San Hilarión, la investigación realizada de acuerdo a su alcance es de tipo descriptiva, no experimental, se utilizó el Método Inductivo–Deductivo, Método Hipotético–Deductivo, se utilizó la recopilación de datos y la encuesta como técnica de investigación, para validar la confiabilidad de los instrumentos de recolección de datos, se aplicó el método Alpha de Cronbach, obteniéndose un alfa de 0.828 para ambos instrumentos de recolección de datos, para la variable Banca móvil se determinó un alfa igual a 0.800, y para la variable Aceptación de clientes con un alfa igual 0.808 lo que evidencia la confiabilidad de dichos instrumentos; la población estuvo conformada por 1 961 clientes microempresarios, se trabajó con una muestra de 139 clientes microempresarios, a dicha muestra se les aplicó el instrumento de recolección de datos, con la información obtenida y procesada se pudo cumplir con los objetivos de la investigación, contrastar la hipótesis, y determinar como resultado principal que la variable Banca móvil tiene influencia positiva significativa en la variable Nivel de Aceptación, asimismo, los resultados fueron procesados por el programa estadístico SPSS Versión 25.
ABSTRACT The research carried out was aimed at determining how the Mobile Banking Strategy is accepted by the microentrepreneur clients of Caja Arequipa, Agencia San Hilarión - Lima, having the District of San Juan de Lurigancho Province of Lima as a geographical setting, and as an entity analyzed the Municipal Savings and Credit Fund of Arequipa - San Hilarión Agency, the research carried out according to its scope is descriptive, not experimental, the Inductive-Deductive Method, Hypothetical-Deductive Method, data collection was used and the survey as a research technique, to validate the reliability of the data collection instruments, Cronbach's Alpha method was applied, obtaining an alpha of 0.828 for both data collection instruments, for the Mobile Banking variable an alpha was determined equal to 0.800, and for the variable Acceptance of clients with an alpha equal to 0.808, which shows the reliability of said inst ruments; the population was made up of 1,961 microentrepreneur clients, we worked with a sample of 139 microentrepreneur clients, the data collection instrument was applied to said sample, with the information obtained and processed it was possible to meet the objectives of the investigation, contrast the hypothesis, and determine as the main result that the Mobile Banking variable has a significant positive influence on the Acceptance Level variable, likewise, the results were processed by the statistical program SPSS Version 25.
ABSTRACT The research carried out was aimed at determining how the Mobile Banking Strategy is accepted by the microentrepreneur clients of Caja Arequipa, Agencia San Hilarión - Lima, having the District of San Juan de Lurigancho Province of Lima as a geographical setting, and as an entity analyzed the Municipal Savings and Credit Fund of Arequipa - San Hilarión Agency, the research carried out according to its scope is descriptive, not experimental, the Inductive-Deductive Method, Hypothetical-Deductive Method, data collection was used and the survey as a research technique, to validate the reliability of the data collection instruments, Cronbach's Alpha method was applied, obtaining an alpha of 0.828 for both data collection instruments, for the Mobile Banking variable an alpha was determined equal to 0.800, and for the variable Acceptance of clients with an alpha equal to 0.808, which shows the reliability of said inst ruments; the population was made up of 1,961 microentrepreneur clients, we worked with a sample of 139 microentrepreneur clients, the data collection instrument was applied to said sample, with the information obtained and processed it was possible to meet the objectives of the investigation, contrast the hypothesis, and determine as the main result that the Mobile Banking variable has a significant positive influence on the Acceptance Level variable, likewise, the results were processed by the statistical program SPSS Version 25.
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Keywords
Banca móvil, Aceptación de clientes, Cliente microempresario