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Universidad de Panamá
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Submitted April 5, 2022
Published 2022-04-05

Artículos

Vol. 3 No. 2 (2022): Revista Colegiada de Ciencia

ACCESSIBILITY AND USAGE OF BANKING TECHNOLOGY: RELEVANT FACTOR TO REDUCE THE UNBANKED UNIVERSITY POPULATION IN THE DISTRICT OF CHITRÉ, HERRERA IN PANAMA, 2018-2019.

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Citación:
DOI: ND

Published: 2022-04-05

How to Cite

Pereira de Herrera, A., & Pedreschi, M. E. (2022). ACCESSIBILITY AND USAGE OF BANKING TECHNOLOGY: RELEVANT FACTOR TO REDUCE THE UNBANKED UNIVERSITY POPULATION IN THE DISTRICT OF CHITRÉ, HERRERA IN PANAMA, 2018-2019. Revista Colegiada De Ciencia, 3(2), 19–34. Retrieved from https://revistas.up.ac.pa/index.php/revcolciencia/article/view/2850

Abstract

Financial inclusion has taken an important role in the agendas and economic analyses performed by nations and international organizations, given its impact on the macroeconomic development of countries and its contribution to the reduction of poverty. The usage of banking technologies among the population accelerates the financial inclusion process in our society. During October and November 2018 and January 2019, a descriptive study with a transversal design was performed to understand the knowledge, accessibility, and usage of banking products and services, as elements that impact the percentage of the unbanked population in the district. The study employed a random stratified sample concept, in which the university population was categorized into the following: students and professors/administrative workers. The study included the three most important universities in the Chitre, Herrera district. The sample size was 227 people, of which 125 were students, 75 professors, and 27 administrative workers. A poll was distributed to measure: knowledge, sentiment, and usage of banking technologies. The results showed that all respondents had access to an internet connection and ATMs; 95% of professors/administrative workers and 61% of students use ATMs to withdraw cash and check their account balances. However, online banking usage was much lower at 59% in professors/administrative workers and 30% in students. Among the factors which limit its usage, pollers mentioned: not needing it, not trusting it, being difficult to use, and not knowing how to request it. In conclusion, there's a significant gap between accessibility and the potential usage of banking technology to reduce the unbanked university population in the district.

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