Educación financiera 4.0 y servicios Fintech en estudiantes universitarios
Financial Education 4.0 and Fintech Services in University StudentsContenido principal del artículo
Contexto: La educación financiera digital constituye un elemento relevante para la adopción responsable de servicios financieros tecnológicos, especialmente en estudiantes universitarios que interactúan con nuevos ecosistemas financieros. Objetivo: Determinar la relación entre la Educación Financiera 4.0 y el uso de servicios FinTech en estudiantes de pregrado de la Universidad Nacional de Juliaca, Perú. Metodología: Se desarrolló una investigación cuantitativa, correlacional y transversal. La muestra estuvo conformada por 152 estudiantes del VIII semestre, seleccionados mediante muestreo probabilístico estratificado. Se aplicó un cuestionario tipo Likert de 32 ítems y un test de conocimiento financiero digital de 10 ítems, ambos validados mediante juicio de expertos. Resultados: Los resultados evidenciaron una relación positiva y significativa entre la Educación Financiera 4.0 y el uso de servicios FinTech (Rho = 0,672; p < 0,001), indicando que mayores niveles de conocimiento y competencias financieras digitales se asocian con una mayor utilización de herramientas financieras tecnológicas. Conclusiones: La Educación Financiera 4.0 constituye una condición habilitante para el uso de servicios FinTech en estudiantes universitarios. Se destaca la necesidad de fortalecer competencias financieras digitales dentro de la formación superior para promover decisiones económicas informadas, seguras y adaptadas a los nuevos entornos tecnológicos.
Introduction: Digital financial literacy is a critical driver for the responsible adoption of financial technology services, particularly among university students interacting within emerging financial ecosystems. Objective: To determine the relationship between Financial Literacy 4.0 and the utilization of FinTech services among undergraduate students at the National University of Juliaca, Peru. Methodology: A quantitative, correlational, and cross-sectional study was conducted. The sample comprised 152 eighth-semester students selected via stratified random sampling. Data collection instruments included a 32-item Likert-scale questionnaire and a 10-item digital financial knowledge test, both validated through expert judgment. Results: The findings revealed a positive and significant correlation between Financial Literacy 4.0 and the use of FinTech services (Rho = 0.672; p < 0.001), indicating that higher levels of digital financial knowledge and competencies are associated with increased usage of financial technology tools. Conclusions: Financial Literacy 4.0 serves as an enabling condition for FinTech service adoption among university students. These results highlight the necessity of strengthening digital financial competencies within higher education to promote informed, secure, and technologically adapted economic decision-making.
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