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This study analyzes the effect of digital banking on the financial inclusion of university students located in different regions of Panama, aiming to identify how the use of digital platforms, mobile applications, and electronic financial services enhances access, management, and participation in the formal financial system. A descriptive–explanatory quantitative approach with a non- experimental and cross-sectional design was employed, through documentary review of previous studies and institutional reports. The results revealed an 85% increase in deposit accounts and greater female participation (53%) in account ownership, reflecting progress in equity and financial inclusion. However, only 36.5% of users make digital payments, and 15% maintain formal saving habits, indicating a gap between access and the effective use of financial services. Likewise, factors such as connectivity, digital literacy, and trust in platforms were found to influence the effective use of electronic banking. In conclusion, digital banking is consolidated as a determining tool to promote the financial inclusion of Panamanian university students, provided that financial education, system interoperability, and technological infrastructure are strengthened to ensure equitable and sustainable participation in the country’s digital economy.
Este obra está bajo una licencia de Creative Commons Reconocimiento-NoComercial-CompartirIgual 4.0 Internacional.
