<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1994-3733</journal-id>
<journal-title><![CDATA[Revista Perspectivas]]></journal-title>
<abbrev-journal-title><![CDATA[Perspectivas]]></abbrev-journal-title>
<issn>1994-3733</issn>
<publisher>
<publisher-name><![CDATA[Universidad Católica Boliviana San Pablo, Unidad Académica Regional Cochabamba]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1994-37332023000200085</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Adopción del uso de la banca móvil en la ciudad de Cochabamba.]]></article-title>
<article-title xml:lang="en"><![CDATA[Adoption of the use of mobile banking in the city of Cochabamba.]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Bustos Magne]]></surname>
<given-names><![CDATA[Natali Sthefani]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Almeida Cardona]]></surname>
<given-names><![CDATA[Rodrigo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Católica Boliviana &#8220;San Pablo Departamento de Administración, Economía y Finanzas ]]></institution>
<addr-line><![CDATA[Cochabamba ]]></addr-line>
<country>Bolivia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Sede Académica Cochabamba Sede Académica Cochabamba ]]></institution>
<addr-line><![CDATA[Cochabamba ]]></addr-line>
<country>Bolivia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>11</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>11</month>
<year>2023</year>
</pub-date>
<numero>52</numero>
<fpage>85</fpage>
<lpage>110</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_arttext&amp;pid=S1994-37332023000200085&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_abstract&amp;pid=S1994-37332023000200085&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_pdf&amp;pid=S1994-37332023000200085&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La banca móvil en los últimos años ha tenido un crecimiento convirtiéndose en un canal bancario permitiendo a los clientes realizar transacciones mediante dispositivos móviles las 24 horas al día durante los siete días de la semana, proporcionando a los clientes un servicio más accesible y rápido. El objetivo de la presente investigación es aplicar un modelo que cuente con niveles de fiabilidad aceptables que permita identificar las variables de adopción del uso de la banca móvil, para ello se utilizó el modelo de la teoría unificada de adopción y uso de tecnología 2, que fue establecida de manera teórica y original por Venkatesh (2012). El modelo se testeo utilizando la información recolectada mediante una encuesta a través de Google Forms, aplicando el modelo de ecuaciones estructurales (PLS-SEM). a fin de clarificar qué factores determinan el uso y adopción de la banca móvil por parte del usuario bancario. Los resultados demuestran que las variables condiciones facilitadoras, hábito, influencia social y motivación hedónica influyen en la intención de uso, pero el hábito y la intención de uso influyen en el comportamiento de uso.  CLASIFICACIÓN JEL:  M2, M3, M31.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Mobile banking in recent years has grown, becoming a banking channel allowing customers to carry out transactions through mobile devices 24 hours a day, seven days a week, providing customers with a more accessible and faster service. The objective of the present investigation is to apply a model that has acceptable levels of reliability that allows identifying the adoption variables of the use of mobile banking, for which the model of the unified theory of adoption and use of technology 2 was used, which was established in a theoretical and original way by Venkatesh (2012). The model was tested using the information collected through a survey through Google Forms, applying the structural equation model (PLS-SEM). in order to clarify what factors determine the use and adoption of mobile banking by the banking user. The results show that the variables facilitating conditions, habit, social influence and hedonic motivation influence the intention to use, but the habit and the intention to use influence the behavior of use.  CLASSIFICATION JEL:  M2, M3, M31.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[banca móvil]]></kwd>
<kwd lng="es"><![CDATA[entidades financieras]]></kwd>
<kwd lng="es"><![CDATA[modelo de la teoría unificada de adopción y uso de tecnología 2]]></kwd>
<kwd lng="en"><![CDATA[mobile banking]]></kwd>
<kwd lng="en"><![CDATA[financial entities]]></kwd>
<kwd lng="en"><![CDATA[model of the unified theory of adoption and use of technology 2]]></kwd>
</kwd-group>
</article-meta>
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