Digital Banking: Technological Innovation in Financial Inclusion in Peru
DOI:
https://doi.org/10.15381/idata.v24i2.20351Keywords:
innovation, technology, inclusion, finance, bankingAbstract
Technology-driven digital transformation is impacting the financial sector with the entry of new business models such as fintech and bigtech that successfully compete by offering financial products with disruptive potential. Digital banking is the result of the sum of traditional banking and the internet that offers banking services through a website or mobile application. The integration of financial services into digital ecosystems represents a challenge for traditional banking that needs to evolve to face the changing environment. Digital banking plays an important role in financial inclusion, as it allows access to innovative services to more Peruvians and boosts economic growth. However, a high level of digital fraud also exists, aimed at misappropriating money or blackmailing financial users by means of phishing and the use of malware. Pearson’s correlation coefficient, useful for linear relationships, was used to evaluate the variables “digital banking” and “financial inclusion”, and SPSS-IBM software was used to tabulate the results.
Downloads
Downloads
Published
Issue
Section
License
Copyright (c) 2021 Allan Herminio Vargas Garcia
![Creative Commons License](http://i.creativecommons.org/l/by/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution 4.0 International License.
AUTHORS RETAIN THEIR RIGHTS:
a. Authors retain their trade mark rights and patent, and also on any process or procedure described in the article.
b. Authors retain their right to share, copy, distribute, perform and publicly communicate their article (eg, to place their article in an institutional repository or publish it in a book), with an acknowledgment of its initial publication in the INDUSTRIAL DATA.
c. Authors retain theirs right to make a subsequent publication of their work, to use the article or any part thereof (eg a compilation of his papers, lecture notes, thesis, or a book), always indicating the source of publication (the originator of the work, journal, volume, number and date).